vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: KY

Complaint narrative:
Spoke to studentaid.gov on XX/XX/XXXX and told them that my PSLF counts are incorrect. XX/XX/XXXX is missing. XXXX and XX/XX/XXXX are marked as ineligible due to ineligible forebearance even though XXXX sent me an email saying the the XXXX platform transition would not affect eligibility for PSLF as determined by the ED/student aid and this email has been attached. The platform transition involved XXXX and XX/XX/XXXX. Additionally, XX/XX/XXXX was marked as ineligible due to ineligible forebearance, but XXXX again stated it should be eligible as it was a processing forebearance for SAVE recalculation. When I spoke to studentaid.gov they told me to submit a reconsideration request to fix all of these issues. I did and the case number is XXXX and then I submitted a complaint today to the studentaid ombudsman FSA feedback cases XXXX and XXXX, one of which is a complaint for this issue and the other is for the buyback for PSLF which I have still not received an offer.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have filed several disputes with XXXX XXXX XXXX XXXX XXXX their fraudulent reporting. We had mutually agreed to a payment plan due to my temporary job loss, and I was explicitly told that this arrangement would not impact my XXXX XXXX. However, I recently discovered that I have been reported as XXXX days late, contrary to the assurances I was given. 

I have submitted documentation through Experian multiple times, including through the Consumer Financial Protection Bureau ( CFPB ), yet Experian has failed to properly investigate the issue. Moreover, I have been barred from submitting further disputes with this company by Experian This inaccurate reporting has severely damaged my credit and has negatively impacted my ability to function in daily life. Despite paying on timeand even exceeding the agreed-upon amountsI continue to face penalties and repercussions. Even with proper documentation provided, the companies involved have ignored the facts, and Experians inadequate investigation has made my situation worse. As a XXXX recent graduate, this has made my life exponentially harder, and it feels unjust. 

I would like to formally report the lack of care, poor investigation practices, and the detrimental effects this has had on my credit. This issue is not only the fault of the creditor but also of Experian. I am a single individual, and it feels as though these large corporations have the power to disregard the rights of consumers like myself.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
First XXXX ( Late Payments ) I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XX/XX/XXXX {$31000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XX/XX/2025 XXXX Lady XXXX XXXX XXXX, Maryland XXXX SSN : XXXX Statement of Dispute Dear Transunion, I am requesting a description of the procedures used to determine the accuracy and completeness of ( XXXX XXXX XXXX XXXX # XXXX ). 
How could you come to a clear conclusion this account is verified? Who did you speak to about the account I disputed, how did you contact them and when did you communicate with them? In your response you did not provide any proof that this company has consent to furnish my private information? Nor did you provide me with any details of the reinvestigation of this account. I am requesting that now. You are supposed to protect my privacy under the FCRA. Allowing this company to furnish an account on my credit report without providing any evidence of me giving them consent to do so is in clear violation. There are also many more violations. Delete the account from my credit file. Transunion is in violation of my consumer rights. 

I'm also aware of my right to privacy under the FCRA. Neither you nor ( XXXX XXXX XXXX ) have provided any proof of me giving them my consent to disclose or furnish my private information. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please be aware that I am a litigious consumer and in the process of pursuing litigation in this matter to enforce my consumer rights pursuant to the FCRA in its entirety. I expect to receive a response within 15 days of receipt of this letter containing all the information requested above, or I will expect to see the items in question permanently removed from all records. 

Respond with the requested information or delete this account within 15 days. 

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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Remove reported listed account: 

FORMER ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
All communication must be ceased to me regarding this debt. According to 15 U.S. Code 1692c - Communication in connection with debt collection. This is a form of communication. 

Respectfully

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
All communication must be ceased to me regarding this debt. According to 15 U.S. Code 1692c - Communication in connection with debt collection. This is a form of communication. 

Respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of XXXX XXXX of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
spoke with Adonea- was not able to access my account online transferred to supervisor XXXX XXXX my number was not associated with what information is in my report. Also, my current address is NOT in my credit report although i have received mail. began my dispute on XXXX Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
W/o notification ; XXXX changed XXXX way payments are processed. I have to go into the bank and explain the " new '' process ; and how to apply my payment. Tellers can not tell me the current amount owed, nor can they properly apply my payments made as errors have frequently been made. XXXX escalation process places my loan in default ; and their solution is to require me to make a " good faith '' payment ; which will extend out the loan by *another* month ; and will not correct the underlying problem ( that is : accurate accounting of my loan )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of the Equifax data breach. As a result of this breach, my personal information has been compromised, and fraudulent accounts or activity have been placed on my credit file.

Under the provisions of 15 USC 1681c-2 ( a ), I am requesting the immediate removal of all fraudulent items that have been reported on my credit file as a result of this breach. I understand that this section of the Fair Credit Reporting Act ( FCRA ) gives me the right to block any information that has been reported as a result of identity theft.

I am requesting that all fraudulent accounts, inquiries, and any other related activity be removed from my credit report and that any associated debts or negative impacts be rectified immediately. Please confirm the removal of these items in writing and provide an updated credit report reflecting these changes. 

Should you require further information or documentation to process this request, I am available to provide it. 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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of the Equifax data breach. As a result of this breach, my personal information has been compromised, and fraudulent accounts or activity have been placed on my credit file.

Under the provisions of 15 USC 1681c-2 ( a ), I am requesting the immediate removal of all fraudulent items that have been reported on my credit file as a result of this breach. I understand that this section of the Fair Credit Reporting Act ( FCRA ) gives me the right to block any information that has been reported as a result of identity theft.

I am requesting that all fraudulent accounts, inquiries, and any other related activity be removed from my credit report and that any associated debts or negative impacts be rectified immediately. Please confirm the removal of these items in writing and provide an updated credit report reflecting these changes. 

Should you require further information or documentation to process this request, I am available to provide it. 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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I experienced a concerning incident with Chase Bank 's XXXX XXXX ( XXXX XXXX XXXX ) regarding a scheduled business account opening. Here 's the sequence of events : XXXX week, I spoke with business banker XXXX XXXX to schedule a business account opening appointment. I provided advance documentation including expedited Certificate of Good Standing and NYS registration copies ( {$300.00} in fees ). XXXX XXXX understood this was time-sensitive as we were closing our existing business account to move to Chase. 

-- On Monday, I had to reschedule due to XXXX XXXX. XXXX XXXX and I agreed to Wednesday at XXXX XXXX. She confirmed the appointment would take XXXX minutes. 
-- On Wednesday at XXXX XXXX, while driving to the appointment ( XXXX  commute ), I courteously notified XXXX XXXX I would be XXXX minutes late due to icy road conditions. 
-- At XXXX XXXX, after I had driven XXXX minutes, XXXX XXXX called to say she " would not accommodate '' the XXXX delay. When asked why this couldn't be accommodated within the XXXX appointment window, she repeatedly refused, stating she would " check with her next appointment. '' -- She called back within 3 minutes ( an impossibly short time to have actually contacted another client ) to again refuse accommodation. She suggested I " wait around town '' until XXXX XXXX - an unreasonable suggestion given my XXXX XXXX XXXX. 
-- When I requested to speak with other bankers or a manager, she stated no one, including banker XXXX, would meet with me. 

Business Impact : -- We now have no operating account to pay our Chase XXXX  credit card bill -- Lost XXXX hours of business time on travel -- Wasted {$300.00} in expedited document fees -- Business operations disrupted due to lack of operating account -- Existing relationships with Chase at risk ( including Chase Ink business credit cards, Sapphire Reserve card, family trust joint account, and personal mortgage ) Steps taken to resolve : -- Attempted to resolve with XXXX XXXX during the call -- Requested to speak with branch XXXX, XXXX XXXX -- Emailed branch XXXX XXXX the incident -- Contacted Chase customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXXXXXX XXXX XXXX XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
An unknown person used my information to apply for a credit card from this company, XXXX, XXXX, XXXX XXXX, and XXXX. I'm unaware of those credit card checks or applied for those credit cards.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I wrote to XXXX  asking them to check the accuracy of accounts ( XXXX ) XXXX XXXX XXXX XXXX # XXXX, ( XXXX ) XXXX XXXX # XXXX, ( XXXX ) XXXX XXXX XXXX. # XXXX, ( XXXX ) Duvera XXXX XXXX XXXX XXXX, ( XXXX ) kikoff # CLJPWW****. Nothing was taking off. So, I wrote again asking for proof of validation and nothing was done. After being frustrated, I wrote to all XXXX of the creditors asking for proof of validation bye presenting me with a original signed contract and no one wrote me back. I have proof where I sent certified letter to all creditors and its been XXXX  days, so I am asking to delete these accounts permanently asap. Thank you for your help.

Company response to consumer: Closed with non-monetary relief