vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: MA

Complaint narrative:
As of XX/XX/XXXX my credit score was XXXX. When I checked for an update today, I noticed that my credit score has dropped XXXX points to XXXX. In looking at the credit report, it has come to my attention that my credit score is being unfairly impacted by an administrative forbearance, elevated to a processing forbearance placed on my student loan due to the federal court issued an injunction preventing the U.S. Department of Education from implementing parts of the Saving on a Valuable Education ( SAVE ) Plan and other IDR plans. 

I did not request my account be put in this forbearance and have been working tirelessly with FSA and Mohela to change my payment plan and effectively move my loans out of forbearance. This is of no fault of mine, and I am not delinquent on my payments. Against my will, this account was put into an administration forbearance in XXXX. Despite submitting a request to change payment plans on XX/XX/year>, no changes have been made to my account and my request continues to sit processing. After speaking with an agent today, my account was placed into a processing forbearance that extends forward 60 days and is also retroactive to cover the previous months. Furthermore, my loan provider indicated that a freeze was placed on my account via the department of education that extended to XX/XX/year>, which did not allow my loan provider to process my prior request to change payment plans. Since, my loan provider has still not processed my request, calculated my new payments, and taken my loans out of the administrative forbearance. 

At the current time, I am unable to make payments because my payments have not been calculated by the loan provider. With student loans now reporting if payments havent been made in 90 days, this is unduly impacting my credit score. I request that this negative impact to my XXXX XXXX be rectified immediately, and Mohela stop reporting me to the major credit unions as delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-01-29 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: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-01-29 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: FL

Complaint narrative:
Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-01-29 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: NV

Complaint narrative:
, transunion, and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, transunion, and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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 2025-01-29 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: NV

Complaint narrative:
, XXXX, and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, XXXX, and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I took out student loans through XXXX while I was in college for my Bachelor 's and for part of my XXXX XXXX XXXX. The student loans on my credit report were correct until recently. I knew XXXX changed service providers as I got a notice of this on XX/XX/year>. I recently had my credit pulled for a XXXX XXXX XXXX and it is showing duplicated accounts of my student loans. After researching online, it is a known issue that many consumers ended up with duplicate records on their credit report. ( https : XXXX ) I am now in the process of attempting to get this corrected so I can be approved for my 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 2025-01-29 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I took out student loans through XXXX while I was in college for my Bachelor 's and for part of my XXXX XXXX XXXX. The student loans on my credit report were correct until recently. I knew XXXX changed service providers as I got a notice of this on XX/XX/2024. I recently had my credit pulled for a XXXX XXXX XXXX and it is showing duplicated accounts of my student loans. After researching online, it is a known issue that many consumers ended up with duplicate records on their credit report. ( https : XXXX ) I am now in the process of attempting to get this corrected so I can be approved for my XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I took out student loans through XXXX while I was in college for my Bachelor 's and for part of my XXXX XXXX XXXX. The student loans on my credit report were correct until recently. I knew XXXX changed service providers as I got a notice of this on XX/XX/year>. I recently had my credit pulled for a XXXX XXXX XXXX and it is showing duplicated accounts of my student loans. After researching online, it is a known issue that many consumers ended up with duplicate records on their credit report. ( https : XXXX ) I am now in the process of attempting to get this corrected so I can be approved for my 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 2025-01-29 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: IL

Complaint narrative:
15 USC 1692 is a section of the United States Code that covers debt collection practices and consumer credit protection. The FDCPA was created to prevent unfair, deceptive, and abusive debt collection practices With this i feel they have violated my privacy selling information not given to them

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 2025-01-29 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: ProCollect, Inc.
State: TX

Complaint narrative:
I am asking for debt validation. I kindly request a written confirmation of your investigation results and the action taken on my credit report. According to FCRA section 605 B, it is illegal.

Remove fraud and reinsert errors on my reports. Claims according to 15 USC 1692G Despite my submissions, PROCOLLECT INC consistently responds within XXXX hours, stating that the account is accurate, without providing evidence of a thorough investigation.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I purchased gas at XXXX in XXXX, Florida for a total of {$8.00}, on XX/XX/year>. XXXX placed a {$75.00} preauthorized hold on my XXXX XXXX card. The transaction is showing as pending as of today XX/XX/year>. On XX/XX/XXXX, I called XXXX to inquiry as to why the transaction is still pending the {$75.00} preauthorization amount? XXXX representative said I needed to contact the merchant. I place a called to XXXX customer engagement, and the per said it usually takes XXXX business days to post, and if it didn't post by the end of the business day, to call back tomorrow and they will give me the approval code to give to the bank. He went further to say that the bank is who places the preauthorization hold. 
I called back XXXX  customer engagement today a I was instructed yesterday, and I was ultimately told the same thing, they also gave me the approval code to give to XXXX, as only XXXX can remove the preauthorization hold on my account. When I reached out to XXXX with the approval code for the transaction, the XXXX for XXXX stated they don't remove hold even with approval code. He also stated I needed to wait until the transaction post, with " might be on Friday, XX/XX/XXXX. '' The next thing I know the phone call got disconnected. 
This is unacceptable especially with todays technology. It took XXXX seconds to place the {$75.00} authorization hold on my account, but it is taking them over a week to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XX/XX/year> In accordance with 15 U.S.C. 1681c-2, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for XXXX year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history. 

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report. 

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts. 

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this 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 2025-01-29 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: NY

Complaint narrative:
My identity was stolen and my information was compromised in a security breach I have multiple other accounts on my credit report that are not accurate and opened up in my name without my knowledge when I try to get credit cards in my own XXXX unable to Name of Company : XXXX I XXXX  noticed this account in XX/XX/XXXX and XX/XX/XXXX Amount {$430.00}

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 2025-01-29 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:
My identity was stolen and my information was compromised in a security breach I have multiple other accounts on my credit report that are not accurate and opened up in my name without my knowledge when I try to get credit cards in my own XXXX unable to Name of Company : XXXX I XXXX  noticed this account in XX/XX/XXXX and XX/XX/XXXX Amount {$430.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian, XXXX, and XXXX have utilized my sensitive information, allowing unauthorized individuals to access my personal data. I have noticed unauthorized accounts on my credit report, including XXXX, XXXX XXXX Bank, XXXX XXXX, and XXXX Department of Education, among others. These companies are responsible for the misuse of my information, which has resulted in significant errors on my credit report. This is a serious issue that requires immediate attention and proper resolution. It is essential that this matter is addressed accordingly.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am submitting this dispute regarding XXXX unrecognized accounts that appear on my Innovis credit report : Aidvantage - Account # ... XXXX XXXX XXXX XXXX  - Account # ... XXXX I have no knowledge of these accounts, and I am concerned they are either inaccurate or fraudulent. 

Additionally, I have a security freeze on my Innovis credit report, which I would like to have removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-29 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: CA

Complaint narrative:
I'm concerned that these repeated errors indicate a deeper problem with my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation