vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: SC

Complaint narrative:
Subject : Request for Investigation into Loan Mismanagement and Compounding Interest by XXXX Description : I am writing to request an investigation into the mismanagement of my student loans by XXXX and prior loan servicers, which has resulted in compounding interest, inflated balances, and undue financial hardship. Below are the key details : 1. Background : I completed XXXX school in XX/XX/year>, after which I enrolled in graduate school at XXXXXXXX XXXX. While in XXXX school, I began receiving bills for my XXXX loans, despite being informed by a U.S. Department of Education representative that payments would not be required during my enrollment. I was told that paying XXXX XXXX monthly would keep my loans in good standing. I followed this advice but continued receiving threatening notices. 

I contacted the Department of Education again and was told that no payments were necessary while in graduate school and that I could request a refund of my payments. However, when escalated to a supervisor, I was informed that refunds were not possible, leaving me frustrated and misled. This miscommunication contributed to my withdrawal from graduate school, halting my education. 

XXXX. Military Service : I served 7 years in the XXXX XXXX XXXX and utilized the XXXX XXXX XXXX during my XXXX studies. I remained in regular contact with Financial Aid and Veterans departments to ensure all paperwork was submitted correctly, yet I still experienced these issues. 

XXXX. Current Status : My XXXX loans, originally {$15000.00}, have grown to over {$60000.00} due to compounding interest. Over the years, my loans have been transferred multiple times ( from the U.S. Department of Education to XXXX XXXX, and now to XXXX ), and I have repeatedly been denied access to my complete loan records. 

4. Impact : These errors have significantly impacted my credit score, resulting in denials for housing and financial opportunities. I have also been unable to pursue further education due to my damaged financial standing. 

Request for Resolution : - Investigate XXXX and previous servicers for mismanagement and failure to provide accurate information. 
- Ensure compounding interest and erroneous fees are removed. 
- Provide complete documentation of my loan records, including payment history, interest accrual, and transfers. 

I have already updated my information with all credit bureaus to reflect my current address and phone number, but they keep coming back and just like last year I had to call experian to request my credit report. 

Please investigate this matter and help ensure that servicers comply with federal laws protecting borrowers. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: SC

Complaint narrative:
Subject : Request for Investigation into Loan Mismanagement and Compounding Interest by XXXX Description : I am writing to request an investigation into the mismanagement of my student loans by XXXX and prior loan servicers, which has resulted in compounding interest, inflated balances, and undue financial hardship. Below are the key details : 1. Background : I completed XXXX school in XX/XX/year>, after which I enrolled in graduate school at XXXXXXXX XXXX While in XXXX XXXX, I began receiving bills for my XXXX loans, despite being informed by a U.S. Department of Education representative that payments would not be required during my enrollment. I was told that paying XXXX XXXX monthly would keep my loans in good standing. I followed this advice but continued receiving threatening notices. 

I contacted the Department of Education again and was told that no payments were necessary while in graduate school and that I could request a refund of my payments. However, when escalated to a supervisor, I was informed that refunds were not possible, leaving me frustrated and misled. This miscommunication contributed to my withdrawal from graduate school, halting my education. 

XXXX. Military Service : I served 7 years in the XXXX XXXX XXXX and utilized the XXXX XXXX XXXX during my XXXX studies. I remained in regular contact with Financial Aid and Veterans departments to ensure all paperwork was submitted correctly, yet I still experienced these issues. 

3. Current Status : My XXXX loans, originally {$15000.00}, have grown to over {$60000.00} due to compounding interest. Over the years, my loans have been transferred multiple times ( from the U.S. Department of Education to XXXX XXXX, and now to XXXX ), and I have repeatedly been denied access to my complete loan records. 

4. Impact : These errors have significantly impacted my credit score, resulting in denials for housing and financial opportunities. I have also been unable to pursue further education due to my damaged financial standing. 

Request for Resolution : - Investigate XXXX and previous servicers for mismanagement and failure to provide accurate information. 
- Ensure compounding interest and erroneous fees are removed. 
- Provide complete documentation of my loan records, including payment history, interest accrual, and transfers. 

I have already updated my information with all credit bureaus to reflect my current address and phone number, but they keep coming back and just like last year I had to call experian to request my credit report. 

Please investigate this matter and help ensure that servicers comply with federal laws protecting borrowers. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: SC

Complaint narrative:
Subject : Request for Investigation into Loan Mismanagement and Compounding Interest by XXXX Description : I am writing to request an investigation into the mismanagement of my student loans by XXXX and prior loan servicers, which has resulted in compounding interest, inflated balances, and undue financial hardship. Below are the key details : 1. Background : I completed XXXX school in XX/XX/year>, after which I enrolled in graduate school at XXXX XXXX. While in graduate school, I began receiving bills for my XXXX loans, despite being informed by a U.S. Department of Education representative that payments would not be required during my enrollment. I was told that paying $ 80 monthly would keep my loans in good standing. I followed this advice but continued receiving threatening notices. 

I contacted the Department of Education again and was told that no payments were necessary while in graduate school and that I could request a refund of my payments. However, when escalated to a supervisor, I was informed that refunds were not possible, leaving me frustrated and misled. This miscommunication contributed to my withdrawal from graduate school, halting my education. 

2. Military Service : I served 7 years in the XXXX XXXX XXXX and utilized the XXXX XXXX XXXX during my XXXX studies. I remained in regular contact with Financial Aid and Veterans departments to ensure all paperwork was submitted correctly, yet I still experienced these issues. 

3. Current Status : My XXXX loans, originally {$15000.00}, have grown to over {$60000.00} due to compounding interest. Over the years, my loans have been transferred multiple times ( from the U.S. Department of Education to XXXX XXXX, and now to XXXX ), and I have repeatedly been denied access to my complete loan records. 

4. Impact : These errors have significantly impacted my credit score, resulting in denials for housing and financial opportunities. I have also been unable to pursue further education due to my damaged financial standing.

Request for Resolution : - Investigate XXXX and previous servicers for mismanagement and failure to provide accurate information. 
- Ensure compounding interest and erroneous fees are removed. 
- Provide complete documentation of my loan records, including payment history, interest accrual, and transfers. 

I have already updated my information with all credit bureaus to reflect my current address and phone number, but they keep coming back and just like last year I had to call experian to request my credit report. 

Please investigate this matter and help ensure that servicers comply with federal laws protecting borrowers. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Never did any business with this company Identity was stolen and used for this company Also this company has broken the law 15 USC 1692 AND 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
On XX/XX/XXXX a new collection account was placed on my credit report by a company called XXXX XXXX XXXXXXXX account number XXXX as a medical debt. I asked all three bureaus to investigate as I have never had an account with the company listed. All three came back and just stated verified without giving me any details as to how they verified the debt, who they spoke to and how they know the debt is mine. I need this inaccurate information removed from my credit report 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 2025-01-11 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:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
Dear CFPB and XXXX, I am writing to formally dispute inaccurate and incomplete information currently being reported on my credit file by XXXX. I have identified the below inaccurate, and I request an immediate investigation and correction of these errors in compliance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( XXXX ). 
Inaccurate Accounts : XXXX ( Account- XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Card ( Balance : $ XXXX ) XXXX XXXX XXXX ( Balance : $ XXXX ) Account open in XXXX XXXX XXXX XXXX ( XXXX ) Account opened in XXXX Collections : XXXX. XXXX XXXX ( Balance : $ XXXX ) According to the recent lawsuit filed by the CFPB against XXXX ( Case Number : XXXX ), XXXX has been found to violate its obligations under the FCRA and CFPA in multiple ways, including but not limited to : 1. Failing to conduct reasonable reinvestigations of consumer disputes as required by 15 U.S.C. 1681i.

2. Failing to forward all relevant dispute information and documentation to furnishers.

3. Providing consumers with confusing, ambiguous, and inadequate responses regarding dispute outcomes.

4. Failing to ensure maximum possible accuracy of information in consumer reports, as required under 15 U.S.C. 1681e ( b ). 

These systemic failures directly impact consumers like me, as these inaccuracies can result in credit denials, higher interest rates, or other financial harm. 

The inaccurate information I am disputing is as follows : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  ( Balance : $ XXXX ) XXXX XXXX XXXX ( Balance : $ XXXX ) Account open in XXXX XXXX XXXX XXXX ( XXXX ) Account opened in XXXX XXXX ( Account- XXXX ) XXXX XXXXXXXX, XXXX ( XXXX : $ XXXX ) Under the FCRA, XXXX is required to : - Conduct a reasonable reinvestigation of my dispute within 30 days of receipt. 
- Notify the furnisher of the information and provide them with all relevant dispute documentation. 
- Correct or delete any inaccurate, incomplete, or unverifiable information. 

In addition, I request that XXXX comply with its obligations under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) and ensure that any deleted information is not reinserted into my credit file without proper notice. 

If XXXX fails to meet these obligations or rectify this issue, I will escalate my complaint and may pursue legal remedies under the FCRA and CFPA. 

CFPB, I request that your office investigate XXXX handling of my dispute, as their failure to comply with federal law indicates a pattern of systemic noncompliance. 

Please confirm receipt of this dispute letter and provide updates on your investigation and resolution within the timeline required by law. 

Thank you for 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 non-monetary relief
Consumer complaint received 2025-01-11 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:
Dear CFPB and XXXX, I am writing to formally dispute inaccurate and incomplete information currently being reported on my credit file by XXXX. I have identified the below inaccurate, and I request an immediate investigation and correction of these errors in compliance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( XXXX ). 
Inaccurate Accounts : XXXX ( Account- XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Card ( Balance : $ XXXX ) XXXX XXXX XXXX ( Balance : $ XXXX ) Account open in XXXX XXXX XXXX XXXX ( XXXX ) Account opened in XXXX Collections : XXXX. XXXX, XXXX ( Balance : $ XXXX ) According to the recent lawsuit filed by the CFPB against XXXX ( Case Number : XXXX ), XXXX has been found to violate its obligations under the FCRA and XXXX in multiple ways, including but not limited to : XXXX. Failing to conduct reasonable reinvestigations of consumer disputes as required by XXXX XXXX. XXXX. 
XXXX. Failing to forward all relevant dispute information and documentation to furnishers. 
XXXX. Providing consumers with confusing, ambiguous, and inadequate responses regarding dispute outcomes. 
XXXX. Failing to ensure maximum possible accuracy of information in consumer reports, as required under XXXX XXXX. XXXX ( b ). 

These systemic failures directly impact consumers like me, as these inaccuracies can result in credit denials, higher interest rates, or other financial harm. 

The inaccurate information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance : $ XXXX ) XXXX XXXX XXXX ( Balance : $ XXXX ) Account open in XXXX XXXX XXXX XXXX ( XXXX ) Account opened in XXXX XXXX ( Account- XXXX ) I.C. XXXX, XXXX ( XXXX : $ XXXX ) Under the FCRA, XXXX is required to : - Conduct a reasonable reinvestigation of my dispute within 30 days of receipt.

- Notify the furnisher of the information and provide them with all relevant dispute documentation.

- Correct or delete any inaccurate, incomplete, or unverifiable information. 

In addition, I request that XXXX comply with its obligations under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) and ensure that any deleted information is not reinserted into my credit file without proper notice. 

If XXXX fails to meet these obligations or rectify this issue, I will escalate my complaint and may pursue legal remedies under the FCRA and CFPA.

CFPB, I request that your office investigate XXXX handling of my dispute, as their failure to comply with federal law indicates a pattern of systemic noncompliance. 

Please confirm receipt of this dispute letter and provide updates on your investigation and resolution within the timeline required by law. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I mailed a letter to Experian on XX/XX/year> tracking number XXXX and it has been more then 35 days since they credit bureaus haven't responded. This is a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX and except as provided in XXXX XXXX XXXX XXXX, if the completeness or accuracy of any information contained in a consumer file is disputed and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the debt of {$15000.00} claimed by Navy Federal Cr Union, referenced under Account Number : XXXX. I do not acknowledge liability for this debt and request that it be thoroughly investigated. 

I have not entered into any contractual agreement with Navy Federal Cr Union, nor have they provided me with the original signed contract or any documentation validating this debt. Despite my requests for a copy of the original contract, including verification through my signature and ID, Navy Federal Cr Union has failed to provide any such documentation. 

Until I receive proper verification of this debt, including the original signed contract, I do not accept responsibility for this amount and request that any further actions related to this debt be ceased immediately. 

Please take the necessary steps to investigate this matter, and provide me with the requested documentation at your earliest convenience. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year>XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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 in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
Identity theft Never heard of did business with this company This company broke the law with my personal information Under 15 USC 1692 AND 15 USC 1681

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