vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a formal complaint against TransUnion regarding their handling of a disputed debt of {$2500.00}, allegedly reported by XXXX XXXX XXXX. I have no legal obligation to this company, and therefore, they do not have the legal right to report any data to my credit profile. TransUnion is not adhering to consumer protection laws in 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 2025-03-27 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the XXXX data breach that occurred in 2017, in which my personal and financial information was exposed without my consent. This breach has led to significant concerns regarding identity theft and fraudulent activity. Specifically, my personal details, including my Social Security Number, date of birth, address, and other sensitive information, were compromised. I requested numerous times for validation for debt but have not received it yet.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: IN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: MO

Complaint narrative:
Complaint Against Experian Regarding Inaccurate Credit Reporting and Failure to Address Disputes To Whom It May Concern, I am filing this complaint regarding Experians failure to correct inaccuracies on my credit report despite my efforts to dispute them. The unresolved inaccuracies have caused financial harm and significant frustration, as they continue to misrepresent my credit profile. Despite submitting disputes directly to Experian, the following issues remain unaddressed : Information that is inaccurate, outdated, or incomplete. Discrepancies in account statuses, balances, or payment history. Information that can not be verified under the requirements of the Fair Credit Reporting Act ( FCRA ). I have repeatedly attempted to work with Experian to resolve these inaccuracies, but they have failed to take corrective action or conduct a proper investigation as required by federal law. I am submitting this complaint to the CFPB because Experians handling of disputes appears to violate their obligations under the FCRA to ensure the accuracy of credit reports. Additionally, I am aware of the CFPBs legal actions against Experian, which highlight systemic problems in their handling of consumer disputes. My experience reflects similar issues, as Experian has not fulfilled their responsibility to provide a fair and accurate credit report or to investigate disputes thoroughly. I respectfully request that the CFPB : 1. Investigate Experians failure to correct inaccuracies on my credit report. 2. Ensure Experian complies with the FCRA by either verifying the disputed information or removing it if it can not be substantiated. 3. Address broader compliance concerns regarding Experians dispute resolution process. I have supporting documents to include at this time, the inaccuracies are clearly visible on my credit report and should be easily identifiable through a thorough review. This situation has caused undue stress and negatively impacted my financial stability. I trust the CFPB will investigate this matter and hold Experian accountable for their failure to comply with federal regulations.

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 2025-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: GA

Complaint narrative:
I.Q. Data International Creditor : XXXX XXXX Apartments Account # XXXX Balance {$27000.00} I have never rented from this company, nor have I signed any agreement or engaged in any business transaction with them. Therefore, I believe that this entry is a result of fraud or a clerical error. I respectfully request that this fraudulent entry be thoroughly investigated and removed from my credit report as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this dispute be investigated and corrected within the 30-day time frame. Please confirm receipt of this dispute and provide me with updates regarding the status of this investigation.

Thank you for your attention to this urgent matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX of 2025 I tried to deposit a large check from XXXX XXXXXXXX XXXX into my checking account with Capital One electronically, a window popped up and said the deposit was too large to process. ( deposits were limited to {$50000.00} - mine was considerably over that amount ). Capital One does not have a bank in San Antonio except for a cafe where limited transactions are accepted. I needed a debit card to do the deposit. I located my debit card and went to the cafe on XXXX to deposit {$440000.00} and it was successful.Then I tried to transfer the funds electronically from checking into my savings account with Capital One but there was a freeze on the transfer until it cleared processing. 
XX/XX/XXXX, {$5200.00} of the {$440000.00} was cleared and it transferred successfully. On XX/XX/XXXX the full amount was cleared successfully. 
My complaint is that I was unable to receive a much higher interest from my savings account than my checking account for 11 days. How can a partial amount be available for use while the majority of the money was held up for another 3 days? Had there been a Capital One bank in XXXX XXXX the deposit would have been successful on the XXXX of XXXX Other account holders must have similar problems but there is no one to aid in unusual transactions. I wrote a letter to the president of Cap. One and his office responded through XXXX who deemed the process was legitimate as to Cap One guidelines and no further action would be taken. Yet, I feel helpless, frustrated, and victimized by their actions. How can a bank who does all of their transactions electronically refuse a deposit?. How can a bank not have an office where unusual transactions can be facilitated? I called the Presidents office, XXXX, on Friday XX/XX/XXXX to try and resolve the issues but my call was not returned. Hence my appeal to you to aide me in my efforts for justice. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NE

Complaint narrative:
This involves student loan servicer MOHELA and Federal Student Aid ( FSA ), as it relates to my outstanding federal loans and Public Service Loan Forgiveness. I am at XXXX payments on the FSA website. The FSA website shows I have 0 ( zero ) loans needing employment certification. I have sent in three separate Employee Certification forms to XXXX, all of which have been approved and processed. The last being processed on XX/XX/XXXX. However, my count remains at XXXX. I am missing payment counts for the months of XX/XX/XXXX and XX/XX/XXXX ( payment for XX/XX/XXXX and XX/XX/XXXX have also been made and would put me over XXXX total payments ). 

I have called, emailed, sent in a BBB complain, messaged both MOHELA and FSA. I have send in reconsiderations forms to FSA as well. Neither MOHELA nor FSA will take any responsibility for the fact my payment count hasn't been updated. They just say to contact the other agency, which is zero help. I had a workaround to look at my account in the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and it also still shows, as of today, XX/XX/XXXX, that my count sits at XXXX and has not been updated since XX/XX/XXXX. 

I am on an XXXX XXXX XXXX program and my payments are {$0.00} per month. In my MOHELA account, I get monthly bills, but since it is a {$0.00} payment, nothing gets paid in. There is no listing of my " payments '' being made in my account, which seems wrong. I have asked MOHELA for a listing of all of my payments made and they again, did not respond to my request but told me to call FSA because they don't deal with PSLF counts ( again, not what I asked ). I asked FSA to look into my counts and get nothing but telling me to call MOHELA. And round and round we go. Meanwhile, I am past 120 total payments and should have my loans forgiven. But because these two agencies can not do the bare minimum, here I sit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Guild Holdings Company
State: UT

Complaint narrative:
Guild Mortgage offered me a Reinstatement and sent me a quote. I accepted the Reinstatement and paid the amount stated in the quote by Certified Check, according to their instructions. They received the check. They endorsed the check, of which I have a copy, and the funds were taken from my bank account. Its been many weeks since this happened. I keep calling and calling their Single Point of Contact department and all of them are confused as to why it is taking so long and why they postponed the auction to XX/XX/year> rather than reinstating and cancelling the foreclosure process and auction. The deal has been completed so this is a breach of contract. This is causing much distress in my life. It has affected my work and ability to produce my normal income ( I am in sales ). I am constantly getting harassed by people trying to buy my home. Some are coming on my property even though I have " no trespassing '' signs posted in four places in the front yard. They made public my private cell phone number and I have been getting harassed via my private line. People keep posting their notes and cards on my front door after trespassing. They stick them on my door and it has damaged my door with the glue that I tried to remove and this damaged the door. People are harassing those this live with me as they try to get into their cars or walking in the driveway. People are mailing tons of mail thinking my home is in foreclosure when it is NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the Equifax data breach that occurred in 2017, in which my personal and financial information was exposed without my consent. This breach has led to significant concerns regarding identity theft and fraudulent activity. Specifically, my personal details, including my Social Security Number, date of birth, address, and other sensitive information, were compromised.I ask numerous times to provide debt validation.I am un familiar with these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am submitting this formal complaint to bring to your attention a serious violation of my consumer rights and data privacy committed by Navient, a federal student loan servicer. 

It has come to my attention that Navient has shared, disclosed, or otherwise permitted access to my personal, financial, or sensitive information without my informed consent or authorization. This action is unacceptable and unlawful under several federal statutes designed to protect consumers personal data. 

Specifically, Navients conduct violates the following laws and regulations : Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX This act requires financial institutions to explain their information-sharing practices and to safeguard sensitive data. There is no record of Navient providing me with proper disclosure nor obtaining my consent prior to the dissemination of my private information. 

Privacy Act of 1974, 5 U.S.C. 552a This act strictly limits the sharing of personal data maintained by federal agencies or their contractors ( including student loan servicers ) without written consent or statutory authorization. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under this law, consumer information may only be shared for permissible purposes with clear and specific consumer authorization. 

Navients unauthorized disclosure of my private information has not only breached these laws but has also placed me at risk of financial harm, fraud, and invasion of privacy. As a responsible borrower actively working to improve and repair my credit standing, this type of negligent behavior undermines my financial security and erodes trust in the federal loan servicing system. 

Demand for Immediate Resolution I hereby request the following corrective actions : A full and formal investigation into Navients unlawful disclosure of my personal data.

Immediate written confirmation detailing when, to whom, and for what purpose my information was shared.

Immediate cessation of all unauthorized data-sharing practices related to my account. 

A written assurance of compliance with all applicable privacy laws going forward. 

Any available compensation, protections, or corrective actions under the law to remedy this violation. 

Please consider this letter a formal complaint and request for action under applicable federal privacy protections. I also reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other regulatory authority if this issue is not resolved in a timely and satisfactory manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 seven 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 explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 non-monetary relief
Consumer complaint received 2025-03-27 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: WA

Complaint narrative:
Hello Sir/ Madam, I called the XXXX mortgage and explained my hardship to them. The company 's representative advised me to apply for a forbearance plan, and I followed the directions and submitted all the documents. I was assigned a first point of contact named XXXX XXXX, who was designated as a Loss Mitigation Specialist I. I was asked to submit documents on multiple occasions and was advised that my application was in review every time I called. I was sent a letter of Approved Foreberence in XX/XX/2025 which clearly states, " Yor are currently on an approved forbearance plan. '' I read the response from the XXXX Mortgage, I applied for a forbearance and I was appoved for it and I received a document which clearly states that I am approved for it. Now the approval document is declared as a solicitation? How come the rest of the documents sent were not solicited? What is the standard for the customer to distinguish between all the communications, which are Solicitation and which are not? It is clearly an error on XXXX XXXX Mortgage 's end with all the communications. I as a client of XXXX XXXX Mortgage, relied on that Approved Forbearance Document to my Detriment. There are negative inquiries marked on my credit report 120 days late, which is severely impacting my credit scores. The mortgage company 's name is XXXX Mortgage XXXX and XXXX. My loan number is : XXXX Please help regarding this matter, as I want the late payments to be removed from my credit report. Regards, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: WA

Complaint narrative:
Hello Sir/ Madam, I called the XXXX mortgage and explained my hardship to them. The company 's representative advised me to apply for a forbearance plan, and I followed the directions and submitted all the documents. I was assigned a first point of contact named XXXX XXXX, who was designated as a Loss Mitigation Specialist I. I was asked to submit documents on multiple occasions and was advised that my application was in review every time I called. I was sent a letter of Approved Foreberence in XX/XX/2025 which clearly states, " Yor are currently on an approved forbearance plan. '' I read the response from the XXXX Mortgage, I applied for a forbearance and I was appoved for it and I received a document which clearly states that I am approved for it. Now the approval document is declared as a solicitation? How come the rest of the documents sent were not solicited? What is the standard for the customer to distinguish between all the communications, which are Solicitation and which are not? It is clearly an error on XXXX XXXX Mortgage 's end with all the communications. I as a client of XXXX XXXX Mortgage, relied on that Approved Forbearance Document to my Detriment. There are negative inquiries marked on my credit report 120 days late, which is severely impacting my credit scores. The mortgage company 's name is XXXX Mortgage XXXX and XXXX. My loan number is : XXXX Please help regarding this matter, as I want the late payments to be removed from my credit report. Regards, XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: AR

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 non-monetary relief
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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