vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
Dear XXXX XXXX XXXX Department, I am reaching out to seek assistance regarding an issue Ive encountered with the loan forgiveness process through MOHELA. I initially applied for loan forgiveness, and according to the guidance provided to me, my loan was supposed to be forgiven under a specific program. However, after submitting my application, I was unexpectedly referred to other companies, such as XXXX, to process the request. 

What has been especially troubling is the excessive time it is taking to process my loan forgiveness application. I received an email confirmation on XX/XX/year>, stating that my application was in the process of being reviewed. Since that time, there has been no further update, and it has been placed into forbearance, during which interest has been accumulating. 

I understand that loan forgiveness applications can take time, but the delay has become unreasonable, and I am growing concerned about the lack of communication and the financial burden this delay is causing. Time is critical when submitting an application for forgiveness, and I am unsure if the delays are due to negligence or intentional actions that are contributing to the accrual of interest on my loan, which should not be occurring if the forgiveness process was properly handled. 

I would greatly appreciate any assistance or clarification regarding this matter and would like to understand why my application has been delayed for so long without any communication about its status. Additionally, I would like to know what steps I can take to expedite the process and ensure that the loan forgiveness is handled appropriately and that the accumulation of interest is addressed. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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 2025-03-04 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-03-04 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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 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 2025-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LD Holdings Group, LLC
State: ID

Complaint narrative:
After passing of my mother a year ago, my father lost half of the income for the household. We started contact with loan depot our servicer around XXXX. Anticipating financial difficulties we attempted to get ahead of the problem. After working thru XXXX different agents offering refinancing or modifications. We qualified for none of them. In one instance they sent a loan agreement application asking for my deceased mother to sign it. 

Late last year we became aware of the XXXX XXXX program and were assigned a VA loan administrator and asked loan depot what the steps were we needed to take. They advised to stop making our monthly payments as the loan had to delinquent for XXXX months on order for them to approve us. At XXXX months we made numerous attempts to get updates on our status. We could never get a straight direct answer and the would instead send refinance papers in the mail. Every time they made deceptive statements or promised misleading actions as they never followed up on their promises. Every request made for updates were met with request for info we had already submitted numerous times before. The latest attempt for info ended with us having to resubmit info for the procedure and were told they had to start form the beginning. 

They have started to charge late fees along with the past due amount, and have not contacted the VA or tried to work out anything with them. It has now been more than XXXX months after following their instructions and we still have no idea of our status. 

We are extremely frustrated with their lack of basic communication and activity. 
It seems they are not interested in helping a vet who lost half his income due to death of spouse and are just trying to foreclose even thought there are alternative solutions available. 

Please help any way you can

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has failed to provide me a reasonable investigation of my disputes, by not forwarding all relevant information to furnishers of my information. They utilized the automated responses from furnishers, even when my evidence suggests the information is incorrect. They have been found in other incidents with consumers to provide misleading and incomplete dispute results which I believe they have done to me. 
Experian provided me with results of my dispute that were confusing, ambiguous, contradictory. When Experian deleted an account I disputed, I later found that these accounts were reinserted into my credit reports without verifying their accuracy or notifying me. Not sure what their policy is on to prevent previously deleted negative items from being re-reported by new furnishers but I think this was wrong and illegal for them to do that to me. 
They failed to investigate the hard inquiry I disputed which negatively impacted my credit score. Experian also would not let me dispute inaccurate addresses because they said a child support agency in which I have no relationship was reporting that address despite my evidence to prove that I have no relationship with this organization. 
I know that Experian is mishandling my disputes and failing to properly investigate and provide a clear account of their infestation to me as a consumer. Their actions, inactions and deliberate failures are causing me harm as a consumer. I would like the CFPB, BBB and other consumer supported agencies to investigate this credit bureau to ensure they are following the Federal laws that are in place to protect consumers rights to correct information in the public. 
Sincerely, 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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Block, Inc.
State: AR

Complaint narrative:
Cash app identity theft and they closed my account without my approval loss of money from someone who stole my identity and because of my public assistance no company will give me credit or even attempt to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I am seeking your assistance in resolving a dispute with Synchrony Bank regarding my XXXX XXXX account. Below is a detailed explanation of the issues I have experienced : 1. Account Reissue and Access Issues On XX/XX/XXXX, Synchrony Bank reissued my XXXX XXXX account number due to suspected fraud. Following this reissue : *I was disconnected from my online account access through XXXX XXXX 

Since that date, I have been unable to access my account or view statements online. 

Emails sent by Synchrony 's system did not provide any means to access my statements, view my balance, or make payments. Clicking the links results in going to my XXXX home screen without any XXXX XXXX account access available. 

2. Multiple Unresolved Customer Service Requests Between XXXX and XX/XX/XXXX, I contacted Synchrony 's customer service at least 10 times to resolve this issue. During these calls : *Customer service representatives filed multiple tickets with XXXX requesting to re-link my account, but these requests were never fulfilled. 

*I was unable to receive or view any billing statements, which prevented me from making timely payments directly. 

*I made payments over the phone, believing my account access issue would soon be resolved. 

3. Payment Made in Full in XX/XX/XXXX In XX/XX/XXXX, I called Synchrony Bank directly to : *Pay off the account balance in full, which was approximately {$240.00}. 

*Explain the ongoing access issue and previous unsuccessful attempts to resolve it. 

During this call, a representative acknowledged the issue and confirmed the following : *She noted that I did not receive the statement on time ( or best category match in the system ), which was the cause of an interest charge. 

*Interest charges were to be removed. 

*Late payments reported to credit bureaus were to be reversed. 

*She was escalating my ticket to restore XXXX access to my XXXX XXXX XXXX account. 

4. Contradictory Investigation Letter On XX/XX/XXXX I received a letter from Synchrony Bank stating that their investigation confirmed that statements had been sent to me. This contradicts : *The statements made by XXXX XXXX the access issue and interest charge removal. 

*The fact that I have not been able to access any statements since XX/XX/XXXX. 

I still can not access my account online through XXXX like I used to and Synchrony refuses to mail me any statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA and Metro 2 Compliance To Whom It May Concern, I am writing to formally dispute the reporting of the account from XXXX XXXX  XXXX ( Account # XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ) and Metro 2 Compliance Standards, I am requesting an immediate investigation and deletion of this account due to inaccuracies and potential violations in the way it is being reported. 

Upon reviewing my credit report, I have identified multiple discrepancies that may not comply with Metro 2 guidelines and FCRA regulations : 1. Inaccurate Balance Reporting The reported balance of {$2600.00} exceeds my original credit limit of {$2200.00}, which is a violation of Metro 2 guidelines under the Credit Reporting Resource Guide ( CRRG ).

2. Charge-Off & Past Due Status Conflict The account has been marked as charged off while still being reported as past due. A charged-off account should not have a continuously updating past-due balance unless it has been sold to a debt collector. This is a reporting error. 
3. Re-Aging of Debt My last payment was reported on XX/XX/XXXX, yet the balance was updated as of XX/XX/XXXX. This suggests re-aging, which is a violation of FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), as a charge-off should not be actively updated to appear more recent than it truly is. 

Under the FCRA, you are required to verify, correct, or delete inaccurate information within 30 days of receiving this dispute. I demand that this account be immediately removed from my credit report due to these compliance violations. 

Please provide me with a detailed response outlining your findings after investigating this matter. If you can not verify the accuracy of the information in full compliance with the FCRA and Metro 2 guidelines, I expect this item to be deleted from my credit report immediately. 

I have attached a copy of my identification and credit report highlighting the disputed information for your reference. Please send all correspondence regarding this matter to my mailing address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-03-04 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-03-04 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-04 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
Over the past several months, I discovered that multiple accounts that had previously been removed from my credit report due to confirmed fraud have reappeared. These include XXXX XXXX Bank Account XXXX : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Initially, I filed disputes and provided evidence of identity theft, which led to their removal. However, they have recently been returned to my credit report, further harming my credit standing. 

Under Section 605B ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act ( FCRA ), any information resulting from identity theft must be blocked or removed from a consumers file. Therefore, to ensure accurate reporting, I am requesting that these accounts be removed again and remain off my credit report permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: WA

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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