vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
Loan Payment to Mohela on XX/XX/XXXX for {$810.00}, Confirmation Number XXXX, amount withdrawn from my XXXX XXXX Account on XX/XX/XXXX and processed as paid to Dept Education XXXX XXXX XXXX XXXX. 

Loan Payment to Mohela on XX/XX/XXXX for {$1000.00}, Confirmation Number XXXX, amount withdrawn from my XXXX XXXX Account on XX/XX/XXXX and processed as paid to Payment to US Department of Education.

When will my payments be applied to my loans?

I've tried tried calling on two separate occasions only to sit on hold for over an hour and then be transferred and placed on another indefinite hold. My mom called Mohela at XXXX on XX/XX/XXXX at XXXX on my behalf. She was on hold for approximately an hour and finally reached someone and provided them all of the information above, they said they were able to see the transactions but she would need to talk to a different department. She was transferred and stayed on hold until XXXX before hanging up. 

Since we've been unable to get a response from Mohela, I decided to reach out for help through the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Report on my Credit. This is a 2017 account. My XXXX  XXXX XXXX was totaled. The insurance and XXXX XXXX paid this 2017 account off. An insurance settlement was reached. It Goes off and then continues to reappear on my report. XXXX XXXX XXXX XXXX is now reporting this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These accounts are fraudulent due to identity theft XXXX XXXX opened XX/XX/XXXX balance {$1400.00} XXXX opened XX/XX/XXXX balance {$1000.00} XXXX XXXX XXXX opened XX/XX/XXXX balance {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

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 has lawsuit ( CFPB ) has already filled a lawsuit against Experian, alleging systemic issues such as failing to furnish, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experience 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 the disputed accounts, as Experian inaction 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 2025-02-11 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-02-11 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
About 5 years ago I was contacted by a collection agency about a utility bill from XXXX XXXX XXXX for {$4100.00} for an apartment in XXXX XXXX nj. My involvement in that location was I co signed a lease for my son. I have provided a paid in full of my son from XXXX XXXX XXXX 

This collection activity has been transferred to Transworld Services Inc after 3 years or more of silence from anyone. Without contact from TSI my credit report reflected a major reduction in XX/XX/XXXX. Reflecting the above noted debt. 

I responded to TSI with my sons release from XXXX years from XXXX XXXX XXXX 

XXXX I never requested service XXXX I never received a bill during the supposed service period. 
XXXX I never lived at this location just co signed my sons lease for which he and the agency have copy of the release from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I am following up on my complaint, which you have closed without actually addressing the issue. The property address for the insurance has been updated as per your request, yet you still have not properly applied the insurance coverage. This level of incompetence is unacceptable. 

You removed the insurance, denied my request for escrow removal, and now refuse to take corrective action. What exactly do you want? Are you intentionally creating a scenario where my property becomes at risk due to a lack of insurance, despite my repeated efforts to provide the necessary documentation? 

Furthermore, I have escalated this matter to the CFPB multiple times, yet you continue to ignore regulatory inquiries, claiming they have no jurisdiction over you. This blatant disregard for compliance and consumer protection is concerning. 

Attached is the updated insurance documentationagainsince you have failed to process it properly. I expect immediate confirmation that this has been resolved. Please address this matter without further delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was denied part of a fraud claim by Wells Fargo Bank. On XX/XX/year> I was contacted via text from Wells Fargo asking to verify a XXXX transaction. I responded no. I then immediately called Wells Fargo to notify them that this was not an authorized transaction. I spent 24 minutes on the phone ( see attached photo of phone record ) confirming that my account had been compromised and no transactions after the The XXXX of XXXX were authorized. I went into Wells Fargo Bank on XX/XX/XXXX, which was the first appointment I could get, to follow up and withdraw funds in order to open another account. I was told at that time that there was not even a hold placed on my account despite having called specifically to do so. At this time I was notified that several transactions were posted after my initial call. I spoke with the Wells Fargo fraud department from the bank with a banker present and was told " you're right. This should not happen ''. Wells Fargo reimbursed all of the transactions from XX/XX/XXXX except one. Despite the fact that the transaction was to the same party that I specifically notified them was not authorized. ( See attached photos ) I have contacted Wells Fargo and they continue to delay sending me information regarding this denied claim. I have spoken to an attorney in regards to filing a lawsuit. I am hoping to resolve this matter without having to do that

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 monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute regarding an ongoing issue I have encountered with Equifax Information Services LLC. Despite providing multiple submissions of proof of identity as requested, Equifax has failed to verify my identity, and I continue to experience delays in resolving this matter. 
Here are the details of my case : Full Name : XXXX XXXX Date of Birth : XX/XX/year>XXXX  Mailing Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone Number : ( XXXX ) XXXX Social Security Number XXXX I have submitted the following documents as proof of identity multiple times : A valid government-issued photo ID Utility bills or other proof of address A Social Security card Other requested documentation Despite these repeated submissions, Equifax has not successfully verified my identity, and I have not received any clear explanation for this failure. This ongoing issue is causing significant frustration and disruption, as I am unable to resolve credit-related concerns or engage in necessary financial activities. 
I am requesting your assistance in resolving this matter with Equifax Information Services LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I shouldve gotten loan forgiveness due to date breach

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



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 XXXXXX/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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was involved in the XXXX Data breach and also the XXXXXXXX XXXX XXXX XXXX Data Breach and i do not Recognize a lot of the information and inquiries on my credit report Listed Below. According to 15 USC 1681 which governs access to consumer credit report records and promotes accuracy, fairness and privacy of personal information assembled by CRA. 
Accounts 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 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
SoFi bank uses XXXX as a way to connect outside banks for transfers/withdrawals/etc. My other bank, XXXX, does not support XXXX. SoFi does not allow you to manually input account details to send an ACH unless you're using XXXX. I am not able to withdrawal my money to my XXXX account. I contacted customer service twice, once they told me I needed remove the app from my phone, wait XXXX minutes, reinstall and try again. This, of course, didn't fix the problem. The next agent told me that I need to let my account " age '' before I was able to manually add an account ... my account is XXXX XXXX XXXX. This is only my checking to checking transfer via XXXX and I can't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXXXX/XX/year>

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian reported a collection with date assigned XX/XX/2022 I disputed it multiple times, i have no idea what this is & it is not reported on any other credit reports. 


Also student loans are on the report and shouldn't be on there. no other reports have them.

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 2025-02-11 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: NC

Complaint narrative:
An account with XXXX XXXX is reporting on inaccurately with XXXX, Equifax and XXXX. The discrepancies in reporting includes the following : ( 1 ) Date Opened ; ( 2 ) Date Last Active ; and ( 3 ) Payment History to my credit report. 

All inaccurate information is highlighted in the attached document for you review. 

XXXX is not reporting a payment history ; XXXX is reporting a repossession and Equifax is reporting that my account is in good standing. I have attached a copy of the account as it is recorded on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am frustrated with TransUnions poor customer service, specifically in managing my credit freeze. Every time I log in, I encounter an error message that says, " Sorry, we're having trouble showing the status of your credit freeze right now. '' When I tried credit report, it says " We're unable to complete your request online. '' I have tried many live chat and phone call throughout few months. The representative gave me several case numbers and all they are saying is they are looking into the case. However, this problem has been going on for few months. Sometimes the live agent hang up the phone call on me. I find Transunion 's approach unacceptable and expect better service.

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 2025-02-11 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: TX

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