vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing a complaint against TransUnion for failing to process my certified mail dispute and for not complying with the Fair Credit Reporting Act ( FCRA ) regarding dispute investigations. 
I sent a certified mail package to TransUnion to dispute unauthorized inquiries on my credit report, update my current address, and remove outdated or incorrect information. This package was sent to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This address is listed as associated with TransUnion, and the certified mail receipt confirms it was delivered and signed for. However, when I called TransUnion for an update, I was informed by their representative that they are not associated with this address and had no record of receiving my dispute. 

Under the FCRA ( 15 U.S.C. 1681i ), TransUnion is required to investigate disputes within 30 days. If they fail to complete the investigation within this timeframe, the disputed information must be removed from my credit report. As of now, there is no indication in their system or app that my dispute is being processed.

The issues are as follows : 1. Failure to Process My Dispute : TransUnion has not acknowledged or begun processing my dispute despite confirmed delivery.

2. Confusion Regarding Their Address : The representative denied any connection to the address I used, despite it being publicly associated with TransUnion and the certified mail being signed for.

3. Non-Compliance with FCRA : If TransUnion does not complete its investigation within the required 30-day period, the disputed inquiries must be removed from my report.

I am requesting that the CFPB investigate this matter and ensure TransUnion : Complies with the 30-day investigation requirement and removes any disputed information if they fail to meet the deadline.

Provides a clear and accurate update on the status of my dispute.

Clarifies why my certified mail was not properly acknowledged or processed.

Offers transparent guidance on their dispute processes and designated mailing addresses to prevent similar issues for consumers.

Thank you for your time and assistance. I look forward to your help in resolving 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 explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My tenant screening information is inaccurate. I do not owe any balance and I dont have any evictions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: TX

Complaint narrative:
In XX/XX/XXXX, I informed Mohela that I was unable to make the monthly payments on my student loans. At that time, Mohela advised me to submit an application for the Graduate Repayment Plan, stating that it would take XXXX weeks to process. Additionally, I received an email from Mohela indicating that I would be notified whether or not my request had been approved within approximately XXXX to XXXX business days of receipt. However, despite this assurance, no resolution has been provided, and I have been placed on administrative forbearance repeatedly. 

Since then, I have been placed on administrative forbearance repeatedly, with no resolution to my application. Despite numerous follow-ups, I am consistently told that the application is being expedited and is nearly complete, but these updates have proven to be inaccurate. 

Additionally, the repeated periods of administrative forbearance have caused my loan balance to revert to approximately {$34000.00}, the same total as when my loans originated in XXXX. This suggests that no progress has been made on reducing the principal or overall balance, which is deeply concerning. 

The lack of transparency, delays in processing, and inaccurate communication from Mohela since their transition to a new system have made managing my loans unnecessarily difficult. I would like this issue addressed and resolved as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
They published XXXX on my credit report and it reported late payments when they said it never will. They removed it off my XXXX and XXXX but left it on my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: DISCOVER BANK
State: DE

Complaint narrative:
They published XXXX on my credit report and it reported late payments when they said it never will. They removed it off my XXXX and XXXX but left it on my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I froze my credit over the automated phone line for Experian. I have attempted to unfreeze my credit but am unable to do so because Experian requires a pin to unfreeze my credit that I was never sent. I was then directed to create an account online to have a new pin sent. I created my account through Experian.com but am unable to log in. Every time I try to log in I receive this notice : " Oops, we're sorry! Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled. 

Call us toll-free at XXXX. '' This issue has been ongoing for months with no resolution from Experian. I have attempted to call the customer service line provided and numerous other customer service numbers but have been refused contact with a representative or technical support. 

Because there is no way for me to access my online account or receive support from a representative, I can not unfreeze my credit online or receive a new pin to unfreeze my credit over the phone. Due to this, I am now no longer able to apply for credit cards, loans, etc. This has significant negative effects and is detrimental to my financial well-being.

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 2024-11-17 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: EdFinancial Services
State: FL

Complaint narrative:
I disputed this student loan with XXXX  stating that the account is older than 7 years and should not still be reporting on my credit report. I have yet to hear a response from XXXX nor received any documentation responding to my request. I ask that this account be removed immediately. Please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
LOAN WAS WITH XXXX XXXX XXXX XXXX IMPOUNDED, HAVE XXXX XXXX HOMEOWNERS INSURANCE SPS DIDNT PAY IT AND GIVE EXCUSES THAT I DIDNT SUBMIT THE INSURANCE WAS ALWAYS SAME INSURANCE NOW THE FOREPLACED IT THERE ERROR ( ALSO TRYING TO MODIFY AND STILL LYING ) JUST SUBMITTED INSURANCE COMPLAINT WITH CALIFORNIA DEPARTMENT OF INSURANCE , IS A STATE AND FEDERAL ISSUES! PLUS THEY LOST A PAYMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: FL

Complaint narrative:
I am submitting this complaint to address multiple inaccuracies in my credit reports across XXXX, TransUnion, and XXXX. These inaccuracies stem from identity theft, which has resulted in fraudulent accounts and derogatory information being reported under my name without my consent or knowledge. Despite prior disputes directly with the bureaus, the inaccuracies remain unresolved, prompting this formal request for assistance from the CFPB. 

Accounts in Dispute : 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 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 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 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 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

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint to address multiple inaccuracies in my credit reports across XXXX, XXXX, and Equifax. These inaccuracies stem from identity theft, which has resulted in fraudulent accounts and derogatory information being reported under my name without my consent or knowledge. Despite prior disputes directly with the bureaus, the inaccuracies remain unresolved, prompting this formal request for assistance from the CFPB. 

Accounts in Dispute : 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 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT 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 non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have my account thats closed months ago and i have not recieved the balance amount check from bank till date. 
I have already wrote the complain previously and i was given a number to contact but whenever i tried to reach them the extension never answers not call back.therefore i request your plateform that please ask the bank to transfer the fund in my other account provided and dont send gain time tactics to avoid wasting my time. 
Account details are as follows : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX ACH routing number XXXX Wire routing number XXXX Bank name and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, United States Please i request you to tell the bank to make transfer to my external account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: MI

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. 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 2024-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I paid off both of my student loans in XXXX of XXXX. I even have a certificate verifying that I have paid in FULL. After several months I started receiving statements saying : your payment is past due your payment is past due. So in XX/XX/2024 I called them to see what the issue was. They told me it was because MOHELA transferred to a new platform and none of my payment history or information had been transferred- therefore they have no record of me paying ANY amount off on my loans. They told me in order to fix this I needed to upload my bank statements of the payments. I quickly did that and uploaded it to the website where they asked me to. I never heard anything back from them. Several months go by I start to get these emails about missing payments AGAIN and this time my credit score is starting to go down saying my loans are increasing. In XXXX of XXXX  I call them again after waiting on the line for an hour just for them to say they never received any uploads of my bank information even though I did. And when I asked to speak with their manager they denied me. They lost my information with NO SYMPATHY and asked me to upload the information AGAIN. I did the exact same thing- again never heard back and my credit score is continuing to decline. This is the most exhausting, disrespectful experience I have ever encountered. I am a XXXX XXXX XXXX, who worked HARD to pay off those loans and for this business to try to say I didnt when I had to eat ramen noodles for months is crazy. Im so angry and I want this fixed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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:
The charge off has not been taken off 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 2024-11-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
***THIS IS NOT A DUPLICATE REQUEST *** XXXX XXXX XXXX XXXX has continued to report inaccurate information on my credit report. This account was discharged and paid through a Chapter 7 Bankruptcy in 2020.

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 2024-11-17 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: NC

Complaint narrative:
The XX/XX/year> XX/XX/year> I respectfully requested that the inaccurate information be deleted/updated from my credit report. Additionally, I asked that they verify the accuracy of this information and provide me with a detailed explanation of the steps taken during the dispute process. 

Was not performed and dispute response/dispute was not done within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I had money stolen through Western Unionhackers on XX/XX/XXXX and only after complaining to the CFPB did I get a response from Western Union this week, XXXX months after the fact. 

In the e-mail, XXXX XXXX from the resolution team tells me that a person used ID to pick up the money. I asked how he could possibly know when the exact location was never even disclosed. XXXX XXXX keeps saying " I'm sorry to hear, I'm sorry to hear. '' and tells me if I want more proof, I need a subpoena. Thanks for telling me XXXX MONTHS after I had money stolen and brought this to your company 's attention. The more I e-mailed " XXXX XXXX '' the more I heard " I'm sorry to hear, I'm sorry to hear. '' so I decided to call the phone number and his extension in the e-mail and you can't make this up... THE PHONE NUMBER DOESN'T WORK AND THE CALL DROPS. 

The more I re-read the e-mails, the pattern of inconsistencies I see in the writing of the e-mail. XXXX XXXX isn't a real person, western union is using artificial intelligence to resolve issues with customers but XXXX XXXX, you'd think in a serious situation like this they'd have an actual person helping out! Instead, Western Union looks out for their hackers because they don't want their company to have a bad reputation.

Company response to consumer: Closed with explanation