vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a complaint against XXXX  for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX  consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 u.s.c 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.s.c. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that the cfpb take action to ensure XXXX  complies with federal law and provides consumers with the necessary proof of 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 2025-05-05 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: EdFinancial Services
State: NC

Complaint narrative:
I have had every single one of my student loan payments reversed. I received a payment confirmation every time I pay. However, I still continue to receive emails about late balances and never any notification or explanation to why my payment was reversed. This has negatively affected my credit score as the loans are being reported as delinquent. This has occurred starting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Closed Installment Loan Still Reporting Late Payments I am disputing inaccurate reporting of late payments on a closed installment loan account that continues to affect my credit score. This account has been closed, and no payments should be due. However, it is still being reported as delinquent with late payments, which is incorrect and misleading. 

I have attempted to resolve this issue with the creditor and the credit bureau, but the information remains unchanged. This ongoing reporting error violates the Fair Credit Reporting Act and is unfairly damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NV

Complaint narrative:
In XX/XX/year>, a personal loan was fraudulently taken out in my name through XXXX and deposited into a XXXX account I did not open or authorize. I discovered this account when it appeared on my credit report. I immediately filed an FTC Identity Theft Report and notified XXXX. I also submitted my government ID and documentation showing that the tradeline had previously been removed from my credit report due to fraud. 

XXXX acknowledged the funds went to the XXXX account but refused to remove the account unless I obtained a letter from XXXX me not having access to the account or relationship with them. I explained multiple times that I am not a XXXX customer and can not contact their support as a non-user. I gave XXXX multiple opportunities to investigate and close the account on their end. 

Despite providing all requested documentation, XXXX continued to delay resolution. As of now, the fraudulent account remains open and is damaging my credit. I want the account removed and closed permanently, and confirmation that I am not responsible for this fraudulent loan.

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 2025-05-05 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: NV

Complaint narrative:
In XX/XX/2024, a personal loan was fraudulently taken out in my name through XXXX and deposited into a XXXX account I did not open or authorize. I discovered this account when it appeared on my credit report. I immediately filed an FTC Identity Theft Report and notified XXXX. I also submitted my government ID and documentation showing that the tradeline had previously been removed from my credit report due to fraud. 

XXXX acknowledged the funds went to the XXXX account but refused to remove the account unless I obtained a letter from XXXX me not having access to the account or relationship with them. I explained multiple times that I am not a XXXX customer and can not contact their support as a non-user. I gave XXXX multiple opportunities to investigate and close the account on their end. 

Despite providing all requested documentation, XXXX continued to delay resolution. As of now, the fraudulent account remains open and is damaging my credit. I want the account removed and closed permanently, and confirmation that I am not responsible for this fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NV

Complaint narrative:
In XX/XX/year>, a personal loan was fraudulently taken out in my name through XXXX and deposited into a XXXX account I did not open or authorize. I discovered this account when it appeared on my credit report. I immediately filed an FTC Identity Theft Report and notified XXXX. I also submitted my government ID and documentation showing that the tradeline had previously been removed from my credit report due to fraud. 

XXXX acknowledged the funds went to the XXXX account but refused to remove the account unless I obtained a letter from XXXX me not having access to the account or relationship with them. I explained multiple times that I am not a XXXX customer and can not contact their support as a non-user. I gave XXXX multiple opportunities to investigate and close the account on their end. 

Despite providing all requested documentation, XXXX continued to delay resolution. As of now, the fraudulent account remains open and is damaging my credit. I want the account removed and closed permanently, and confirmation that I am not responsible for this fraudulent loan.

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 2025-05-05 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: TN

Complaint narrative:
Experian is reporting a closed XXXX XXXX account ( Account XXXX. XXXX ) with a {$0.00} balance but still listing past due notations. Reporting a late payment on an account that reflects a XXXX  balance and has been closed creates a contradiction that violates 15 USC 1666b , which outlines the timing and conditions for accurate posting and reflection of late fees. A XXXX balance with a derogatory status misrepresents the current status of this account and severely undermines the accuracy of my file. This seems less like a legitimate delinquency and more like an outdated entry that was never correctly reconciled.

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 2025-05-05 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: OK

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 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/year>, I received an email notification from Square stating that my account was deactivated. I was told the reason for deactivation was related to unsupported activity, but no clear explanation was provided. Despite my account being verified, I was informed that my funds would be held for 90 days, with the release scheduled for XX/XX/year>. I requested immediate clarification on the deactivation and the release of my funds, but I was told that nothing could be done until the XXXX period passed. 

I have made multiple attempts to reach Squares customer support team for a resolution, requesting both the release of my funds and a detailed explanation of why my account was deactivated. However, I have not received sufficient information or any alternatives for immediate release. I have verified my account as required by Square, and I believe that withholding my funds for 90 days is both unnecessary and unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : 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 2025-05-05 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: TX

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 2025-05-05 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: TX

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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was enrolled in Chases wildfire disaster relief program after the California wildfires significantly disrupted my business operations. I received one month of official relief. After that period, I contacted Chase and was verbally assured that my hardship would be extended and that payment flexibility would continue. This was on XX/XX/year>. 
Despite these assurances, Chase failed to follow through with any written confirmation or extension of the hardship plan. Instead, they reported me late to the credit bureaus, which dropped my credit score from over XXXX to below XXXX despite over 8 years of perfect payment history. This occurred while I was actively communicating with Chase and relying on their verbal commitments. 
In addition to the credit damage, Chase removed all of my accumulated rewards points from the account without explanation. I have made multiple attempts to resolve this through their secure message center and phone support, but have received inconsistent answers and no formal resolution. 
I believe this reflects a failure to honor clearly stated relief policies, a pattern of misleading verbal representations, and unfair consumer treatment especially in a disaster recovery context. 
I am requesting : Immediate reversal of the late payment reporting for this period Full restoration of my removed rewards points Written documentation of all internal notes and phone call records related to my hardship assistance and account I am happy to provide further details, timelines, or supporting documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 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: LA

Complaint narrative:
Experian and Equifax doesnt properly investigate claims on your credit report when you make a dispute! I have informations from old loans and closed loans on my credit profile from XXXX XXXX XXXX XXXX XXXX  and tried to dispute them off! Inquiries that's on my credit reports thats not mine thats still on my credit report! I disputed them multiple times and even sent letter to every credit bureau! This has halted my credit! It make my credit looks bad. I cant get approved for anything

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 2025-05-05 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:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-05 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: LA

Complaint narrative:
Experian and Equifax doesnt properly investigate claims on your credit report when you make a dispute! I have informations from old loans and closed loans on my credit profile from XXXX XXXX XXXX XXXX XXXX  and tried to dispute them off! Inquiries that's on my credit reports thats not mine thats still on my credit report! I disputed them multiple times and even sent letter to every credit bureau! This has halted my credit! It make my credit looks bad. I cant get approved for anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal affidavit and demand for the immediate expungement of fraudulent accounts and inaccurate information reported to my credit file. As a highly informed consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Your failure to act in compliance with federal law constitutes negligence, and I am prepared to take further legal action if necessary.

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 2025-05-05 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: MD

Complaint narrative:
Account has been paid in full creditor sold account to resurgent. They popped up on a rental application that I put in as a debt that I owed please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
MOHELA has wrongfully placed me into an administrative forbearance as of around XX/XX/XXXX. I have been on the IBR plan for over 10 years and had my latest income recertification processed successfully on XX/XX/XXXX with a new payment schedule set to begin on XX/XX/XXXX. On XX/XX/XXXX, I received my XXXX bill with the expected new payment amount, and a PSLF-eligible processing forbearance expired on XX/XX/XXXX. My loan details on MOHELA were showing as " in repayment '' as of XX/XX/XXXX and I was ready and eager to resume making PSLF-qualifying payments this month.

However, on XXXX or slightly earlier, I was placed back into a new general forbearance with no explanation. This may have been triggered by a duplicate recertification application still lingering in the system from XXXX ( but MOHELA has not confirmed that being the cause with 100 % certainty ). I had addressed concerns about possible duplicate applications with an agent in XXXX and was assured they should cause no complications. That does not, however, seem to be the case. As of this writing, my request to be removed from forbearance has been " escalated '' with no timeline or solution given.

This is causing harm to my life in two significant ways : 1 ) I am due to meet with mortgage lenders this month to get pre-approved with likely underwriting, which is now stalled due to not being in repayment under my IBR terms ; and 2 ) I am potentially losing PSLF eligibility for this month, and possibly longer, depending on how long this issue takes to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: World Acceptance Corporation
State: TX

Complaint narrative:
My credit report shows repeated charge-off status from World Finance Corporation for the same account after it was already charged off in XX/XX/year>. The company admitted the charge-off date but reported CO ( charge-off ) status monthly through XX/XX/year>, which is inaccurate and violates the FCRA. I am requesting full deletion of the tradeline. I also filed a complaint with the FTC for fraud regarding this issue. A detailed summary is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-05 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: OK

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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