vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: PA

Complaint narrative:
Hello, My student loans are currently serviced through MOHELA/Federal Student Aid. I am one of the borrowers who was automatically placed by FSA on the SAVE forbearance and thus unable to continue to make qualifying payments. I am also a Public Service employee and was on track for loan forgiveness this month ( XX/XX/XXXX ) after working for a qualifying non-profit employer for 10 years. However, due to being placed on the SAVE forbearance with no ability to switch plans, I am stuck at XXXX out of XXXX payments and unable to make qualifying payments to make progress towards my loan forgiveness since XX/XX/XXXX. 

I was finally able to apply for a different repayment plan ( IBR ), after it was clear that the injunction would not be resolved in the court system. I submitted this application on XX/XX/XXXX. According to FSA, I would be placed in a processing forbearance during this time, and the processing forbearance WOULD count towards my Public Service Loan Forgiveness. Since that time, I have NOT been placed on a processing forbearance, and have received no update from MOHELA or FSA. I would like to be placed into a processing forbearance immediately and backdated to the month I applied for IBR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: MD

Complaint narrative:
On XXXX XXXX  I was a victim of identity theft, I received notification of a hard inquiry on my credit report which I did not apply for. This was with Syncrony Bank for a XXXX I contacted the company and received no help, I previously went through this website and received a letter from Syncrony Bank stating they would remove it do to fraud and identity theft. It stated it would take up to 60-90 days, this was 6 months ago and it still hasnt been removed.

I am asking for help getting this removed in a more timely fashion

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 2025-01-16 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Disputed age of original debt/default being outside statutes. Company updated from debt collection to XXXX XXXX XXXX  and falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXXXXXX XXXX. Balanced details XXXX, stated Balanced paid off. Balanced open XXXX XXXX. Balanced updated XXXX XXXX. Account type Installment/ status- showing charge off. Contact XXXX XXXXXXXX XXXX, NC XXXX -Phone XXXX. Stated charge off account XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX. This debt is considered a charge off however it is actually considered income because I should've received a 1099c form in order to account for this as income. This is not a charge off. I am requesting that this is removed because it is considered income and income should not be reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my credit report maintained by XXXX. Despite my previous attempts to resolve this matter, your failure to properly investigate and address these inaccuracies demonstrates a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

The following items on my report are inaccurate ] These accounts are either factually incorrect, incomplete, or unverifiable as required by law. Under Section 611 ( a ) of the FCRA, you are obligated to conduct a reasonable and thorough investigation into these disputes. 

It is particularly troubling that XXXX is currently under scrutiny by the Consumer Financial Protection Bureau ( CFPB ) for failing to conduct proper investigations into consumer disputes. This systemic noncompliance underscores my concerns about the integrity of your investigative processes and makes your prompt and thorough action in this case even more critical. 

I demand that you take the following actions within the 30-day timeframe required by law : 1. Provide me with documentation proving the accuracy and validity of the disputed accounts. 
2. Supply a detailed summary of your investigation.

3. Correct or delete any information that can not be verified as accurate. 

I have attached relevant documentation to support my claims, including [ list enclosed documents, such as copies of your credit report, prior correspondence, or account statements ]. 

Please be advised that failure to comply with these requirements will leave me with no choice but to escalate this matter further, including filing additional complaints with the CFPB and seeking legal remedies. 
I expect a written response to this dispute within the statutory 30-day periods

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 2025-01-16 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-16 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: FL

Complaint narrative:
Several unauthorized accounts have recently appeared on my credit report, and theyre having a serious impact on my credit score. These accounts were opened without my knowledge, and theyre presenting a misleading view of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I allowed a Lender to pull a mortgage report on me, they used TransUnion. Within minutes I started receiving phone calls. I mentioned this to the loan officer who told me the report was pulled from TransUnion. A little later, I was emailed an " opt out '' link. Which I did complete. Apparently, they sell so many " leads '' so fast and " opt out '' is next to useless. I have to answer my phone, I can't just ignore it ... I could hardly work due to the amount of calls. I couldn't even tell you how may numbers I blocked, hung-up on, or deleted. Why wouldn't they have to get my permission to sell my information, before they invaded my privacy. This is abuse and I feel that some Federal Agency should look into this. I am very angry.

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 2025-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I am currently enrolled in the XXXX plan to pay back my student loans. Due to litigation surrounding this program, all interest on these loans is supposed to have been halted. As of XX/XX/XXXX, the total interest owed on my loans was {$2300.00}. Between XX/XX/XXXX and XX/XX/XXXX, my interest owed jumped up to {$14000.00}. The current interest balance shown reflects the amount of interest that would have accrued on these loans over the course of 1 year, but the time frame has only been XXXX month. I have called my loan servicer numerous times about this. They stated I would see my balance adjusted by XX/XX/XXXX. As of that date, no change has been made to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

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 2025-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, a letter was sent to Diversified Adjustment Service , Inc and a letter was sent in return but Several things that were requested were not included, which leads me to believe they don't have all of the necessary information that I have requested. According to the FDCPA guidelines, they have a duty to provide this information. 

*Creditors full name and address ( address was not provided ) *Full account number was not provided *Final bill date was listed but no DUE DATE was provided *No Explanation provided of how the debt was calculated *Did not provide agreement between them and the original creditor, also did not provide evidence of a contract between XXXX XXXX XXXX and I, just a paper that a XXXX XXXX XXXX could conjure up. 

The letter they sent out blatantly ignored my requests. You can not collect on a debt that you have not properly and legally validated. I will be reaching out to XXXX XXXX XXXX  directly and will also be reaching out to my state 's attorney general on this matter. 

Also before providing this information they had called me several times, another FDCPA violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: Auto Buyers Credit LLC
State: FL

Complaint narrative:
Professional debt mediation is reporting my debt without consent There was fraud done in my name ABC Autos is Falsely reporting information I have not had any car from them since XXXX false information

Company response to consumer: Untimely response
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing inaccurate and unfair reporting on my credit report by Sheffield Financial regarding my account ( # XXXX ). 

This account involves an asset ( XXXX XXXX  ) that was stolen and never recovered. Despite losing possession of the asset, I continued making payments on the loan for over a year while the XXXXXXXX XXXX Department conducted an investigation. 

When the criminal responsible was apprehended, the State Attorney 's Office informed me that restitution would be paid to Sheffield Financial as part of the legal process. Based on this communication, I paused payments temporarily, assuming the restitution process would resolve the balance. However, due to delays in the restitution process, my account was reported as 30 days late and later as 60 days late. 

Once I realized the restitution delays were impacting my credit score, I promptly settled the account with Sheffield Financial and brought it current. Despite my efforts, Sheffield Financial continues to report the late payment statuses to the credit bureaus, which has caused significant damage to my credit score. 

Prior to this situation, I had an XXXX credit score and had never missed a payment on any of my accounts. This inaccurate reporting has caused my credit score to drop to XXXX, solely due to this account. As a result, I am now disqualified from obtaining favorable terms for a mortgage and have been forced to put my plans to purchase a home on hold. 

Given the extraordinary circumstances surrounding this accountspecifically the theft of the motorcycle, the year-long investigation, and delays in restitution caused by the legal processI believe Sheffield Financial 's refusal to update the reporting is unfair and unjust.

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 2025-01-16 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: MEGA CAPITAL FUNDING INC.
State: MI

Complaint narrative:
Mega Capital Funding , Inc. did not provide me with accurate closing documents until the literal day of closing on my refinance, XX/XX/year>. Magically, they had decided I no longer qualified for {$780.00} in credits, and therefore made me wire that extra money in order to close or else I would not be able to close on the refinance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-16 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint against XXXX regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2025-01-16 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: MD

Complaint narrative:
I am filing this complaint against XXXX regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: MD

Complaint narrative:
I am filing this complaint against Experian regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, Experian has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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