vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: HI

Complaint narrative:
I submitted an application on XX/XX/XXXX for a reduced monthly payment. It is XX/XX/XXXX and I still have not heard back. It has been XXXX  months. 

I have emailed and called repeatedly over the last 2 months. Wait times on the phone for customer service are XXXX, XXXX or XXXX hours long. I finally took a day off of work ( and woke up at XXXX ) so I could sit on the phone and talk to a customer service agent. The agent could not find my application- could not figure out why it wasn't processed. She said she would put my account in forbearance so I would not have to make another payment until the application was processed. After I got off the phone ( which lasted hours )- I checked my account and NOTHING changed!! There was no forbearance put into place. There was no email. There was no record that I even spoke to anyone. And now my XXXX payment ( XXXX ) is due and I can not afford it! I don't want to get bad credit from a missed payment. I will pay my bill! I just need a lower payment! HELP PLEASE! 


I've emailed over and over again. The replies are auto generated. There is no information that applies to my specific situation or to my account. The replies will say " Our records indicate that you have already called and spoken to XXXX of our Customer Service Representatives regarding this inquiry. If you need additional assistance, please contact us at the number listed below. '' - I have only spoken to a representative XXXX time, so this is not true. And it's ridiculous to say to contact them at their number ... XXXX just tried to call again and the wait time is XXXX hours. No one has XXXX hours to wait for a customer service agent!!!! 


Can I please have my student loans transferred to a more competent loan servicer. I can see online that MOHELA has a horrible reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: PA

Complaint narrative:
Its XXXX inquiries on my transuion report please remove unauthorized transactions misleading information and denying access

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX - XXXX I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/year>, I submitted my disputes via certified return mail to Experian, Equifax and TransUnion disputing the validity of some accounts and multiple inquiries that have reported incorrect information about my credit history, which has negatively impacted my credit score. In submitting my dispute, I included an enlarged copy of my id, ssc and my handwritten dispute. I reviewed my credit reports and found that the late payments marked incorrectly and accounts listed that doesnt belong to me. I immediately disputed these errors with each credit bureau to which I have received no assistance with. 

Equifax responded by not doing any investigating but instead asking me to provide ANOTHER copy of my already provided ID and SSC before they would investigate. Unauthorized inquiries were not removed. 

Experian responded by not providing any documentation but instead saying the investigated and updated disputed information. Unauthorized inquiries were not removed. 

TransUnion did in fact remove two of the disputed accounts, but also disputed an old account that was to be removed from my credit report after reporting almost 8 years. 
Unauthorized inquiries were not removed. 

Because of these incorrect reports, my credit score has been adversely affected, which has made it difficult for me to attempt to purchase a home. This has caused significant financial strain and time in an attempt to have the credit bureaus report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
In XX/XX/year>, I submitted my disputes via certified return mail to Experian, Equifax and TransUnion disputing the validity of some accounts and multiple inquiries that have reported incorrect information about my credit history, which has negatively impacted my credit score. In submitting my dispute, I included an enlarged copy of my id, ssc and my handwritten dispute. I reviewed my credit reports and found that the late payments marked incorrectly and accounts listed that doesnt belong to me. I immediately disputed these errors with each credit bureau to which I have received no assistance with. 

Equifax responded by not doing any investigating but instead asking me to provide ANOTHER copy of my already provided ID and SSC before they would investigate. Unauthorized inquiries were not removed. 

Experian responded by not providing any documentation but instead saying the investigated and updated disputed information. Unauthorized inquiries were not removed. 

TransUnion did in fact remove two of the disputed accounts, but also disputed an old account that was to be removed from my credit report after reporting almost 8 years. 
Unauthorized inquiries were not removed. 

Because of these incorrect reports, my credit score has been adversely affected, which has made it difficult for me to attempt to purchase a home. This has caused significant financial strain and time in an attempt to have the credit bureaus report accurate information.

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 2025-02-07 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: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I am filing this complaint against Absolute Resolutions Investments , LLC for reporting inaccurate and unauthorized information on my credit report. This company has obtained my personal information from a debt collector who previously wrote off the alleged debt, and they are now attempting to collect or report it without legal basis. 

The original creditor XXXX XXXX XXXX XXXX previously charged off the debt, and according to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), this debt should not have been resold or re-reported without my authorization. 

Additionally, under 15 U.S. Code 1681s-2, companies furnishing information to consumer reporting agencies must ensure that the data is accurate and up to date.

This third-party company is illegally furnishing and reporting false information that is negatively affecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against Experian for failing to remove a legally XXXX debt from my credit report, which continues to negatively impact my creditworthiness. My lender, XXXX XXXX XXXX XXXX, issued a XXXX Cancellation of Debt for this account, which means the debt was legally canceled, and I no longer owe it. Despite my formal dispute and supporting documentation, Experian has refused to remove the negative reporting. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681s-2 ), credit reporting agencies must ensure that information on consumer reports is accurate and up to date. 

Once a XXXX is issued, it legally cancels the debt, meaning no further collection or negative reporting should be permitted. 

Experians failure to remove this account constitutes inaccurate credit reporting, which violates my consumer rights. ''

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the hard inquiries that appear on my credit report.

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 2025-02-07 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: CA

Complaint narrative:
I currently lease a XXXX XXXX XXXX which is financed with XXXX XXXX. 
I have had a perfect record of timely payment, until this past XX/XX/XXXX when I was notified that my payment was not received and a XXXX  day late payment was reported to the Credit Bureaus. My payments had always been via auto-payment. However in XXXX of XXXX, my bank account had been compromised and was had to close my business checking account with XXXX and open a new one. This subsequently halted all of my auto payments. I promptly reestablished auto payment for my lease with XXXX XXXX. I called to confirm with a customer service representative. For several months It appeared as though payments were not being drawn and I called again to confirm my auto payment was established. I also attempted to confirm on line. On or about XX/XX/XXXX I was sent an notification that my payment was past due in the amount of {$XXXX}, I called the same day and provided the past due amount as well as the XXXX remaining payments in full for my lease. I was advised that this was reported as a XXXX day late. I attempted to discuss with XXXX XXXX that I had confirmed the auto payment and they refused to acknowledge any wrongdoing or miscommunication on their part. As a result of this XXXX  day last, my XXXX XXXX went for a XXXX to XXXX approx.

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 2025-02-07 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:
I currently lease a XXXX XXXX XXXX which is financed with XXXX XXXX. 
I have had a perfect record of timely payment, until this past XX/XX/XXXX when I was notified that my payment was not received and a XXXX  day late payment was reported to the Credit Bureaus. My payments had always been via auto-payment. However in XXXX of XXXX, my bank account had been compromised and was had to close my business checking account with XXXX and open a new one. This subsequently halted all of my auto payments. I promptly reestablished auto payment for my lease with XXXX XXXX. I called to confirm with a customer service representative. For several months It appeared as though payments were not being drawn and I called again to confirm my auto payment was established. I also attempted to confirm on line. On or about XX/XX/XXXX I was sent an notification that my payment was past due in the amount of {$XXXX}, I called the same day and provided the past due amount as well as the XXXX remaining payments in full for my lease. I was advised that this was reported as a XXXX day late. I attempted to discuss with XXXX XXXX that I had confirmed the auto payment and they refused to acknowledge any wrongdoing or miscommunication on their part. As a result of this XXXX  day last, my XXXX XXXX went for a XXXX to XXXX approx.

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 2025-02-07 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I went to deposit my work pay check which is verifiable and signed off by both my company and me. They took the check and deposited it into my savings until I contact customer service to see the status of it and they let me know that I have to wait a week, or XXXX business days for me to be able to access my money. Keep in mind this is my work pay check and I use my checks to pay bills. This all derived from XXXX XXXX telling me to setup direct deposit and turns out they gave me the wrong instructions which caused issues in the system. I want to be able to access a portion if not all of my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: AR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
BRIDGECREST has reported with all credit agencies that the balance is Charged off and has reported a Profit and Loss with the Internal Revenue Service for tax year XXXX. 
However, I have not received my XXXX to report as income. This account is reporting inaccurately as it should not be reported at all. I am requesting the XXXX filed and this account to be removed from my report across all credit bureaus/agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 explanation
Consumer complaint received 2025-02-07 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:
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