vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
On XXXXXX/XX/XXXX, Mohela, my loan servicer contacted me to state that my loan balance was forgiven under the PSLF program. In addition, my account reflected overpayments of {$18000.00} which, according to Mohela, was to be refunded to me within 60-90 business days. 

When that window closed, I contacted Mohela via email on their site on XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Their responses were all that they do not refund customers, the US Department of the Treasury does. 

I contact the XXXX XXXX XXXX for the Fiscal Bureau of the US Department of the Treasury on XX/XX/XXXX via email. On XX/XX/XXXX they replied stating that the US Department of Education has never authorized a payment. 

On XX/XX/XXXX Mohela told me, on a phone call, that on XX/XX/XXXX and on XX/XX/XXXX they requested my refund from the US Department of the Treasury. As I stated above, the Fiscal Bureau stated no one has ever requested a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-07 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: TX

Complaint narrative:
In XX/XX/year>2025, I filed a dispute with Equifax regarding XXXX fraudulent accounts : XXXX and XXXX XXXX ( ending in XXXX ). Both accounts were removed from my XXXX and XXXX reports on XX/XX/year>2025, following investigations confirming fraud. Despite this, Equifax continues to report both accounts, even though I provided notice of fraud and supporting documentation. 

I am including CFPB complaint # XXXX as evidence of the confirmed fraud and removal by the other bureaus. Equifaxs inaction violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX U.S.C. XXXX : Failure to delete unverifiable/fraudulent data after dispute. 

XXXX XXXX. XXXX ( a ) : XXXX to report information known to be false. 

XXXX XXXX. XXXX ( b ) : Failure to ensure maximum possible accuracy. 

XXXX XXXX. XXXX & XXXX : Willful or negligent noncompliance with FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I opened an apple credit card to use on my phone. I got a call one day, and the lady said your bill is outstanding you havent paid it to which I replied, I never got a bill. And I didnt. So she tells me they dont send out bills its all digital. You have to find your bill online and pay it. I said, I guess XXXX XXXX, Ive never dealt with A company that doesnt send out bills. I paid immediately. I told her that I pay my bills diligently, I have zero late payments and I asked her if this was something that was going to go against my credit she said absolutely not dont worry. Two weeks later my credit score went from XXXX to XXXX. Ive made many calls to Apple. I filed a complaint through XXXX XXXX. Every time I talked to somebody at Apple credit card, which is Goldman Sachs, They all reassured me that everything was fine and that it would be cleared up. But it wasnt, they were lying to me. They denied my request to clear the situation up through XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion I am filing this FTC Identity Theft Affidavit to report fraudulent hard inquiries appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. The fraudulent items I have found are : Hard Inquiry : XXXXXXXX XXXX XXXXXX/XX/2023 and Fraudulent Auto Loan Account : XXXX XXXX  ( Account No : XXXX ) and I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports, as are my rights under the FCRA and FDCPA laws.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The fraudulent items I have found are : Hard Inquiry : XXXXXXXX XXXX XXXXXX/XX/2023 and Fraudulent Auto Loan Account : XXXX XXXX  ( Account No : XXXX ). I've attached a list of the negative items in question as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. And this request is not being made in error.

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 2025-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
As a victim of a security breach where several fraudulent bank accounts have been opened in my name I strongly feel that the banking practices need to reevaluated as opening bank accounts online with no verification should not be acceptable. I was told to put a freeze on in XXXXXXXX XXXX  but its not helping. The latest checking and savings account with Capital One the savings account was opened without any validation and I would have never known if I wasnt made aware of a checking account denial. 

In the world of high fraud I dont understand why financial institutions can allow online accounts to be opened. 

Please let me know how this can be raised. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are multiple inquiries from your company showing up on my credit report, and I didnt initiate or approve any of them. Ive been careful with who I share my information with, so seeing this is honestly frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
Equifax has a documented history of failing to properly investigate consumer disputes, leading to legal action for FCRA violations. This pattern of noncompliance is unacceptable, and I refuse to allow my financial profile to suffer due to Equifaxs negligence. 

XXXX - Collection I Charge Off XXXX XXXX XXXX XXXX - {$2700.00} XXXX XXXX XXXXXXXX XXXX {$420.00} Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a legitimate reinvestigation of all disputed information within 30 days. If any item can not be 100 % verified with legitimate, original documentation, it must be deleted. These reporting errors are actively damaging my financial standing, and I demand immediate corrective action. Any failure to comply will be met with further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
Please promptly block and delete the unauthorized accounts listed on my credit report. I did not authorize or recognize these accounts. As outlined in USC 1681g, I am requesting their removal within 15 days. Ive attached the relevant documentation for your review. Also, each credit bureau appears to have conflicting information regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
XXXX funds were misapplied never corrected XXXX and XXXX of XXXX  same. 
I have spoken to several people. That said they would fix THIS DID NOT HAPPEN. 
I was sent a letter that sated that they would take up to 6 months of payments ahead. 
NOW WHEN I SPOKE TO THEM THIS HAS CHANGED AGAIN THEY REFUSE TO TAKE MY PAYMENT. 
HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: WI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Chargeoff XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$7100.00} Inquiries in Dispute : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: WI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Chargeoff XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$7100.00} Inquiries in Dispute : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2025-04-07 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: CrossCountry Mortgage LLC
State: AZ

Complaint narrative:
I entered into a loan medication agreement and agreed to 3 payments to bring it back current. I made those payments XXXX XXXX XXXX XXXXXX/XX/XXXX on their website. The site showed that I complied and made those 3 payments and my plan would be approved. I would receive a modification into the mail to sign to the agreed terms. 

The loan modification was rejected because I made two payments in XXXX. Nowhere on the special payment site for loan modications did it give me a warning. It checked off the payments for XXXX XXXX XXXX XXXX as I made them. The last payment I made it said congrats and it would be forward to them to finalize the agreement. 

My request is to appeal and review since I was paying in good faith. The rejection appears to be a technicality to foreclose on my home. 

I attached a recent statement showing the payments were " Trial/workout '' plans. I didn't make these payments on the regular part of the website but on their special page for modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, Hurricane Beryl made landfall on XX/XX/XXXX in XXXXXXXX XXXX. As a results, I did not have power for days and suffered damage in my home. I called Upgrade Inc and asked if they were offering payment deferments for their customers affected by the hurricane. I was told yes, after being approved for the deferment. I was told the account could no longer be used. They reran my credit and stated the account would be closed. 

Ive disputed with XXXX several times because this account is NOT reporting accurately. However, their investigation came back as accurate. 

As of XX/XX/XXXX, per my XXXX and XXXX credit report, Upgrade states the account was petitioned for Bankruptcy in XXXX and sold to XXXX 
Which is NOT accurate. 

I called Upgrade Inc at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to get an understanding as to why its reporting as such because they closed the account after approving me for the disaster relief payment deferment. Upgrade Inc collection agency stated they can not see into my account because it was sold to XXXX. I was told I needed to call XXXX 

I called XXXX at the number ( XXXX ) supplied by Upgrade Inc,. I spoke to representative for XXXX and they stated they do not have any accounts under my social security number. 

If the debt was sold to XXXX and the account was apart of a bankruptcy, why are they still attempting to collect funds on their account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In XX/XX/XXXX, Hurricane Beryl made landfall on XX/XX/XXXX in XXXX XXXX. As a results, I did not have power for days and suffered damage in my home. I called XXXX XXXX and asked if they were offering payment deferments for their customers affected by the hurricane. I was told yes, after being approved for the deferment. I was told the account could no longer be used. They reran my credit and stated the account would be closed. 

Ive disputed with XXXX several times because this account is NOT reporting accurately. However, their investigation came back as accurate. 

As of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit report, XXXX  states the account was petitioned for Bankruptcy in XXXX and sold to RESURGENT. 
Which is NOT accurate. 

I called XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to get an understanding as to why its reporting as such because they closed the account after approving me for the disaster relief payment deferment. XXXX XXXX collection agency stated they can not see into my account because it was sold to RESURGENT. I was told I needed to call RESURGENT. 

I called Resurgent at the number ( XXXX ) supplied by XXXX XXXX,. I spoke to representative for Resurgent and they stated they do not have any accounts under my social security number. 

If the debt was sold to RESURGENT and the account was apart of a bankruptcy, why are they still attempting to collect funds on their account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX {$170.00} i was told that the error would be removed from my credit report over 4 years ago. it is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
i sent in information to several times and no impact i have a credit card account not being reported

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Remove incorrect address off my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I am writing to request the removal of the following information from my credit report, which has resulted from identity theft.

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