vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 


To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute.

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

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 2025-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
i have disputed this debt with National Credit Systems multiple times and provided extensive documentation proving it is not valid. I was a tenant at XXXX XXXX XXXX XXXX XXXXXXXX during the COVID-19 pandemic and was forced to leave due to unsafe and uninhabitable conditions, including harassment and suspected surveillance by the apartments maintenance staff. 
After I vacated the unit, a squatterwho was not on the leasewas allowed to live there by the maintenance man. I submitted proof that this individual was receiving mail at the apartment after I moved out, and also provided a signed witness statement from someone who personally saw this man living there and damaging the unit ( writing on walls, painting, etc. ). 
Despite overwhelming proof, National Credit Systems continues to pursue this as my debt. They have failed to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ) and are knowingly reporting false information in violation of the Fair Credit Reporting Act ( FCRA ). 
This is the third CFPB complaint Ive filed regarding this issue. And its important to note : several other collection agencies involved with similar housing-related debts during that same time period have reviewed my documentation and removed the debts. National Credit Systems is the only one refusing to cooperate, despite having the same evidence everyone else accepted. 
Their refusal to respond in good faith is causing ongoing damage to my credit and emotional distress. I am prepared to pursue legal action if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-27 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: MI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: MO

Complaint narrative:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX Plus twice more that have been dropped off the billing. 4 out of the last 6 times I have tried to used this card it has been declined do to possible fraud which i haven't had any problems with fraud. Card is paid off monthly including a monthly fee of XXXX to have said card. Have talked to a supervisor and was told that there's nothing they can do about this problem. So I'm paying XXXX a month ( for a card that is paid off ) just for it to make me look like a broke person ( no one believes oh this card got money. Only thing the supervisor said is every time this happens call and get my card unlocked. All I want is use a card the I pay to be able to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I am writing to formally file a complaint against Mercedes-Benz Financial Services regarding an ongoing issue Ive been experiencing with my auto lease account.

Since last year, Mercedes-Benz Financial Services has restricted my ability to make online payments directly from my bank account. This restriction began after a temporary issue with my bank resulted in a few returned payments. Despite resolving those issues long ago, Mercedes-Benz has continued to deny me access to their standard online payment system.

I have made numerous attempts to rectify this by contacting their customer service department, including spending over two hours on the phone with multiple representatives on XX/XX/year>. Each representative told me that the system would not allow them to reinstate my online bank payment access. Instead, I am being forced to either : 1. Pay through a third-party system or with a credit card, incurring additional service fees each time, 2. Mail a physical check, or 3. Call customer service every month to make a payment.

This situation is unreasonable and discriminatory, especially considering that all other customers are given access to a no-fee online payment system. I am already paying a high interest rate on my lease, and being forced to pay additional fees simply to make my monthly payment is unacceptable. 

All I am asking is to be reinstated to the same online payment privileges as other customers. I have demonstrated a willingness to comply, and yet I continue to be penalized for a past issue that has long since been resolved. 

I would appreciate your assistance in resolving this matter as soon as possible. I believe this practice is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I call almost daily to check the information that is within my phone with citizens Bank today I called they only have information going to XX/XX/XXXX I don't understand why that is because I had contact with this citizens Bank daily all the way up until XXXX the XXXX now there's nothing there but information up until the XXXX I don't know what they did with that information but it seems as though it's a cover-up I have asked that the OOC not contact me their phone anymore there is no way to verify the information we are exchanging she need to verify information with me through the platform that I issued my complaint with and also you may email me she may text me but no longer phone me and I want to be able to access information all the way up until XX/XX/XXXX with the complaints I have made to her representative at the XXXX number I mentioned before this OOC XXXX is non-transparent deceptive and a con artist she is trying to cover up the truth but the truth will prevail through these outrageous tactics that she's doing I will continue to call her out I am not asking for anything that I am legally required to ask for I've asked the representative tonight to have the back office contact me if there is such a thing that's all that's it for now. I said before I'm going to say again that the o o c XXXX is working hand in hand with fanatics casino I go through my emails today and all of those from fanatics says that my deposits were successful but what they don't know is I have information put back by that mean I took pictures and gave them to someone to hold of the deposit that failed and citizens Bank paid though because this merchant put them through now I only went through the XXXX of XXXX now I'm going all the way to the first of XXXX up until the present I said before I say again the more they prolonged this the more I'm going to dig and come out with more evidence that's it that's all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
I am filing a complaint against Cash Ap

p ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Th
ese actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called Chase on XX/XX/year>, on or around XXXX XXXX  PDT and XXXX XXXX  PDT. On the first call I spoke to a female agent in XXXX, XXXX and after being fully authenticated, she was unable to provide my minimum payment due for XX/XX/year>. She also was unable to confirm if my cash payment in the branch on XX/XX/year>, was posted or still pending. Then I asked for her supervisor and she refused saying a supervisor could not assist me. Then I hung up and called back. On the second call another female in XXXX, XXXX could only give me an approximate minimum due for XX/XX/year>. I said I dont want an approximate, I want the exact minimum due to make sure my branch payment covered my XXXX minimum due and she was unable to provide an answer. I was then transferred to an America supervisor for in Florida. He was also unable to provide my minimum due for XXXX and in fact, provided the wrong answer. His generic answer was it will always be the same each month as it has been. I told him he was incorrect because my payment before the XX/XX/year> billing cycle was more than the minimum resulting payment in XXXX minimum due to be a lesser amount. He then said I will provide your transaction history after you confirm your mailing address. I thought this was to complete the authentication process. He did not tell me why he wanted my address. Then he placed the call on hold then took me off hold and said I mailed your statements to your address. I responded I never asked you to mail anything and this phone call is not a request to receive any mail from Chase, in addition, Im enrolled in paperless billing DO NOT SEND ME ANYTHING. I then said in a polite manner please dont assume anything because you know what assume means and now I look like an XXXX. Then she said I am terminating this phone call. And he deliberately and willfully disconnected the call as I was speaking and told him not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
After submitting a formal School Misconduct Discharge application to XXXX for my private student loans connected to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I filed a complaint with the CFPB in XX/XX/year> ( Case # XXXX ). XXXX responded directly to the CFPB stating that they were no longer servicing the loan and that all discharge-related issues should be addressed by Mohela, the new servicer. XXXX provided Mohelas contact information and explicitly directed me to communicate with them regarding loan forgiveness or dispute resolution. 

However, when I contacted Mohela and submitted documentation, they responded by denying my discharge request, stating that XXXX had already reviewed and denied it, and that Mohela would not be reviewing the evidence or reconsidering the application. In essence, XXXX says Mohela is responsible, while Mohela defers back to XXXX. This creates a cycle of evasion that blocks any path toward resolution. 

This contradiction is not only confusing, its unjust. Both servicers are now deflecting responsibility, refusing to engage with the overwhelming evidence of fraud, abuse, and predatory lending tied to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ). Mohela has now resumed collection efforts and restarted billing on a balance of $ XXXX, despite the pending dispute and financial harm involved. 


I have submitted extensive documentation including the XXXX School Misconduct Forgiveness Application, letters to the CFPB and California Attorney General, whistleblower testimony, career placement fraud evidence, news coverage, legal filings, and proof of inflated statistics, as well as my diploma, which was issued under false pretenses. 

Mohelas blanket denial fails to acknowledge or review any of these materials, despite being told by XXXX to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Retail Merchants Associates
State: LA

Complaint narrative:
This is my third and final notice to this company about this alleged debt. I am keeping track of every communication I am making to your company. According to the fair debt collection practices act if I contact your company which I have twice previously refusing to pay an alleged debt you are required by law to quit contacting me. The act states you can not communicate with me without my prior consent directly or indirectly meaning phone, letter, email or my consumer report. Continuing to communicate with me regardless through any medium stating I owe any alleged debt is now considered harassment and the act speaks about this as well. Failing to comply with any provisions of this act makes your company liable to me in actual damages or XXXX per violation. If this harassment continues I will have no choice but to seek legal counsel and file a small claim for damages.

Company response to consumer: Closed with explanation