vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: WV

Complaint narrative:
I file this complaint regarding my XX/XX/XXXX, payment. It should be noted that I filed a prior complaint with the CFPB regarding this payment on XX/XX/XXXX. By email dated XX/XX/XXXX, MOHELA informed me that that my XXXX of XXXX billing statement was not sent within XXXX  days prior to the due date. My due date was the XXXX of the month at the time of the applicable statement. I have attached my billing statement dated XX/XX/XXXX, for my XX/XX/XXXX, due date. I can confirm that per the attached .pdf, I did not receive my paperless electronic statement dated XX/XX/XXXX, on XXXX website until XX/XX/XXXX, which was less than the required XXXX  days. I can further confirm that {$220.00} was indeed extracted from my checking account through XXXX XXXX. The attached XX/XX/XXXX, email states that I have the right to request a refund in the amount of {$220.00} for the XXXX of XXXX payment and that a forbearance will be applied for that month. I requested a refund in the amount of {$220.00} in my prior CFPB complaint pursuant to https XXXX XXXX for the XXXX of XXXX payment and for a forbearance to be applied for that month. On XX/XX/XXXX, MOHELA told the CFPB in response to my prior complaint that [ o ] ur records indicate that per your request, thus far MOHELA has placed a forbearance for the month of XX/XX/XXXX, so that we XXXX process and issue a refund of your {$220.00} payment made XX/XX/XXXX. We are working diligently to facilitate the processing of this request. You can monitor any updates to your accounts outstanding balance through your MOHELA web account. I have attached my prior CFPB complaint. I have yet to receive a refund check for the {$220.00}. When can I expect a check in the mail?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: HI

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy of the information currently reflected on my credit report, and I request immediate action in line with the Fair Credit Reporting Act ( FCRA ). As you are aware, under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the accuracy and completeness of all information reported to them. 
I recently learned that XXXX is under investigation by the Consumer Financial Protection Bureau ( CFPB ) for failure to conduct proper investigations of credit disputes, including failing to remove or reinsert inaccurate information. Given the findings in this lawsuit, I am concerned that similar errors may be present in my credit report and request an immediate review and correction. 
Disputed Information Account Name : XXXXXXXX XXXX both Account Number : Open/XXXX XXXX XXXX   ( 11 mos Disputed Item ( s ) : [ Late payments, collections, charge-offs, etc. ] I am requesting that Equifax/TransUnion immediately correct or remove the disputed information from my credit report, as it does not comply with FCRA guidelines for accuracy. 
Request for Immediate Action Under 15 U.S.C. 1681i, I request that this dispute be processed and resolved within 3 to 4 business days, as I need the issue addressed promptly to avoid further negative impact on my financial situation. Please ensure the dispute is properly investigated and any inaccuracies are corrected without delay. 
Supporting Documentation A copy of my credit report with the disputed items highlighted. 
Documentation to support my dispute and the accuracy of my claim. 
Please send me written confirmation of the actions taken and an updated copy of my credit report reflecting the changes. 
I expect to hear from you within 3 to 4 business days, as required by the FCRA, regarding the resolution of this dispute.

Thank you for your immediate attention to this urgent matter. 
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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MA

Complaint narrative:
I have been dealing with XXXX XXXX for over XXXX years in regards to a debt that has been sitting on my report that is not mine. I have submitted my documentation for identity theft as well as multiple police reports the company has yet to make any changes to my credit report this has been an ongoing issue since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This complaint is against Capital One. I have been unable to access my bill pay account several times in the last month. It was down for XXXX  days a few weeks ago. When capital one claimed they fixed the account, they deleted vendors from my account. They duplicated vendors. They sent out multiple checks in the incorrect amounts to the wrong vendors. XXXX hours on the phone being told there was nothing they can do to stop payment on checks they mailed out to the wrong vendors in the wrong amount. They paid XXXX XXXX {$550.00} when they were owed {$320.00}. They just deleted XXXX who were supposed receive the {$550.00}. Now, XXXX weeks later bill pay down again for XXXX  days. When I called I was told it will take another XXXX  days to fix. Its a business account! I want the account closed immediately. I transferred all funds over to personal checking, so thus business account can be closed. I was told they cant give me list of payees or account numbers. Its list in their system. They should be fined for their gross incompetence!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: PA

Complaint narrative:
I am resending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with XXXX XXXX XXXX, Section XXXX, which clearly outlines the procedures to be followed XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$790.00} Date Opened : 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 2025-03-17 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: TN

Complaint narrative:
XX/XX/year> Subject : Dispute of Inaccurate Information in Credit Report Dear Sir or Madam, I am writing to dispute the following information in my credit report issued on. This item is inaccurate and incomplete, and I am requesting its removal or correction under the Fair Credit Reporting Act, 15 U.S.C. 1681i. I want reported accounts removed from... 

1. Equifax 2. TransUnion 3. Experian 4. XXXX XXXX **Issue** : Credit Reporting Please investigate this matter and delete or correct the disputed item as soon as possible. Furthermore, if the reporting agency or creditor is found to be negligent or noncompliant in verifying this information, I reserve the right to seek remedies under applicable laws regarding similar liabilities. 

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 2025-03-17 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: TN

Complaint narrative:
XX/XX/year> Subject : Dispute of Inaccurate Information in Credit Report Dear Sir or Madam, I am writing to dispute the following information in my credit report issued on. This item is inaccurate and incomplete, and I am requesting its removal or correction under the Fair Credit Reporting Act, 15 U.S.C. 1681i. I want reported accounts removed from... 

1. Equifax 2. TransUnion 3. Experian 4. XXXX XXXX **Issue** : Credit Reporting Please investigate this matter and delete or correct the disputed item as soon as possible. Furthermore, if the reporting agency or creditor is found to be negligent or noncompliant in verifying this information, I reserve the right to seek remedies under applicable laws regarding similar liabilities. 

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 explanation
Consumer complaint received 2025-03-17 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: AL

Complaint narrative:
MY CONSUMER REPORT IS REPORTING SEVERAL ACCOUNTS THAT ARE INACCURATE. ALL OF THESE ACCOUNTS HAVE INACCURATE DATES OF LAST ACTIVITY, OPEN DATES AND INACCURACIES IN THE PAYMENT HISTORY BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. THESE ACCOUTS CAN NOT REPORT LIKE THIS. THIS IS A VIOLATION OF THE FCRA AND THEY MUST BE DELETED IMMEDIALTEY AFTER THIS INVESTIGATION OR I WILL HAVE TO TAKE OTHER STEPS TO GET THE INACCURATE ACCOUNTS REMOVED PLUS COMPENSATION. THE RECENT LAWSUITS HAVE SHOWN THAT YOUR COMPANY DOES NOT DO A PROPER INVESTIGATION. DELETE THESE ACCOUNTS IMMEDIATELY TO PREVENT FURTHER ESCALATION WHICH IS MY RIGHT UNDER THE FCRA. DELETE THESE ACCOUNTS ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY FOR A COUPLE OF MONTHS WHICH IS AN INACCURACY. THESE ACCOUNTS WERE NOT LATE, AND CAN NOT SHOW LATE PAYMENTS IN THE PAYMENT HISTORY. ALL PAYMENTS MUST SHOW PAID ON TIME, PAID AS AGREED, NEVER LATE FOR EACH PAYMENT DATE UNDER THE FCRA. THESE ACCOUNTS ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. UPDATE EACH ACCOUNT IN THE ENTIRE PAYMENT HISTORY TO PAID ON TIME, PAID AS AGREED, NEVER LATE. ( XXXX  XXXX ) ( XXXX  XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: AL

Complaint narrative:
MY CONSUMER REPORT IS REPORTING SEVERAL ACCOUNTS THAT ARE INACCURATE. ALL OF THESE ACCOUNTS HAVE INACCURATE DATES OF LAST ACTIVITY, OPEN DATES AND INACCURACIES IN THE PAYMENT HISTORY BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. THESE ACCOUTS CAN NOT REPORT LIKE THIS. THIS IS A VIOLATION OF THE FCRA AND THEY MUST BE DELETED IMMEDIALTEY AFTER THIS INVESTIGATION OR I WILL HAVE TO TAKE OTHER STEPS TO GET THE INACCURATE ACCOUNTS REMOVED PLUS COMPENSATION. THE RECENT LAWSUITS HAVE SHOWN THAT YOUR COMPANY DOES NOT DO A PROPER INVESTIGATION. DELETE THESE ACCOUNTS IMMEDIATELY TO PREVENT FURTHER ESCALATION WHICH IS MY RIGHT UNDER THE FCRA. DELETE THESE ACCOUNTS ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY FOR A COUPLE OF MONTHS WHICH IS AN INACCURACY. THESE ACCOUNTS WERE NOT LATE, AND CAN NOT SHOW LATE PAYMENTS IN THE PAYMENT HISTORY. ALL PAYMENTS MUST SHOW PAID ON TIME, PAID AS AGREED, NEVER LATE FOR EACH PAYMENT DATE UNDER THE FCRA. THESE ACCOUNTS ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. UPDATE EACH ACCOUNT IN THE ENTIRE PAYMENT HISTORY TO PAID ON TIME, PAID AS AGREED, NEVER LATE. ( 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX has been improperly billing me for years and has been billing the incorrect secondary insurance. I have been trying to correct this for years and have notified them that i have XXXX  XXXX as me secondary and my XXXX  is XXXX. They are billing my secondary insurance to " XXXX '' as my secondary when in XXXX AND XXXX I told them the remaining balances should be billed to my secondary under XXXX. I just resubmitted this for the XXXX time. 

I NEVER received an explanation of benefits, I NEVER received a bill in the mail from quest ( despite my address ALWAYS being updated ), and I never received a denial letter or any update regarding the resubmission to my secondary insurance. I received a random letter in the mail today from XXXX  XXXX  stating that I have a collection for these accounts, which i should NOT have. I even called multiple times on a recorded line in XXXX AND XXXX and I was assured this was handled already and that my secondary insurance was properly on file. 

This is the third time I have been dealing with this and not being given the proper information and also XXXX violations as well. 

I am also disputing these accounts with Credit Collection Services as well and I want them cleared and my information removed from their database. 

Cease all collection activity clear these accounts immediately. A petty collection on my record would cause me to lose my job, especially since it is due to corporate negligence. 

I have attached the insurance information update from XXXX as well as the current ones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
This is my follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX funding is reporting an account of XXXX ( {$810.00} balance ) on my credit reports. I have never done business with XXXX and I have asked repeatedly for debt verification which these companies have failed to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: PR

Complaint narrative:
I am filing this complaint against Experian and TransUnion for their failure to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). 

I previously requested a copy of my credit report from both Experian and TransUnion, as well as an investigation into certain inaccurate information appearing on my credit file. Despite my repeated attempts and providing all necessary identification and supporting documentation, both credit bureaus have failed to send me my credit report and have not completed the investigation as required by law. 

Under the FCRA, credit reporting agencies are required to provide consumers with access to their credit report upon request and conduct a thorough investigation of any disputed information within XXXX  days. Their failure to comply with these legal obligations is unacceptable and is causing me financial harm. 

I respectfully request that the CFPB investigate this matter to ensure that Experian and TransUnion provide me with my complete credit report and properly address the disputes I have submitted. 

Please feel free to contact me if you require additional information. I appreciate your time and assistance in resolving this matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 explanation