vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Debt Validation To Whom It May Concern, I am writing to formally request validation of an alleged debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This request is in response to a communication I received from your office dated XX/XX/XXXX. 

Please understand that I am not refusing to pay, but I am requesting clarification and verification regarding this matter, as I believe every consumer has the right to accurate and complete information about debts being pursued in their name. 

To properly validate this debt, please provide : The amount of the alleged debt, including an itemized accounting of any interest, fees, or other charges ; The name and address of the original creditor Documentation bearing my signature or other evidence of my responsibility for the debt ; A complete payment history and explanation of how the balance was calculated ; Verification of your legal right to collect on this debt, including any documentation of transfer or assignment ; Confirmation that you are licensed to collect debts in my state, along with your license number.

I respectfully request that no further collection activity, including reporting to credit bureaus, take place until this validation is provided. If you are unable to furnish this information, I expect that all references to this account will be removed from your records and any credit reporting agencies to which it may have been reported. 

Please respond to this request in writing at the address listed above. Thank you for your cooperation and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-04-09 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: SLM CORPORATION
State: GA

Complaint narrative:
This is for Complaint ID XXXX XXXX reopening this complaint because Sallie Maes response was not only dismissive, but it completely missed the point of my dispute. I provided clear documentation, and instead of reviewing the facts, they gave a copy-and-paste answer that failed to acknowledge or address their reporting inconsistencies. 

I have five Smart Option Student Loans with Sallie Mae. I was making a single monthly consolidated payment that was applied across all five loans. In XXXX and XX/XX/year>, I missed two payments due to personal hardshipbut Sallie Mae reported seven late payments across the five loans. That is excessive, misleading, and unfair. A single missed payment should not trigger multiple delinquencies. 

Even worse, Sallie Mae claims they are prohibited from correcting this, even when the information reported was clearly inconsistent with my actual payment activity. Let me be clear : I made a payment on XX/XX/year>, and another on XX/XX/year>. Yet they still marked me delinquenteven though they confirmed my deferment started on XX/XX/year>. A late payment should not be reported when the account was in deferment and a payment was still made. 

Their refusal to fix the issue is not just frustratingits negligent, incompetent, and ignorant. They keep repeating that their reporting was accurate at the time, but accuracy doesnt expire. If new, verified information proves an error, they are obligated to correct it. Instead, they ignored the documentation I submittedjust like they ignore the consumer behind the loan. 

Its insulting to ask for supporting documents only to overlook them like theyre irrelevant. I took the time to provide VALID receipts and payment history, only to be met with a response that feels robotic, rushed, and disconnected from reality. If thats what they call customer service, then there is a much deeper issue here. 

Also, the comment about the address change? Irrelevant and a deflection. The address currently tied to the account is likely my co-signersmy motherwhich is my permanent address for all major records and correspondence. The newer address Sallie Mae is referring to reflects a temporary move made for safety reasons, which is exactly why I missed ( quotations intentional, since nothing has been accurately tracked on their end ) those two payments. Do they care at all about a persons basic hierarchy of needs? Or is everything second to profit? If this is the kind of compassion and logic consumers are met with, then its no wonder mistakes like this go unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I disputed a charge with my capital one credit card when I had an issue with a contractor service that was performed. I asked when I made the dispute if I could modify or cancel the dispute and was informed that I could at any time. I recalculated the payment for the contractor after repairs were made and told the credit card company they could release the amended amount. I was informed that they could not do that until they heard from the contractor. The contractor contacted them. Capital one would not release the funds. The contractor and I came to an agreement and I called the credit card company to cancel the dispute and release all the funds and he was going to send me a check. They told me they could not do that unless they heard from the contractor. The contractor has called the credit card company three times at this point I have called three times they will still not comply with my wishes to cancel the dispute. Capital one keeps telling the contractor I have not cancelled the dispute and they keep telling me that he has not contacted them. We both have contacted them numerous times. They are jeopardizing the agreement that I have come to with the contractor. These are my funds, my credit card my decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: VA

Complaint narrative:
To Whom It May Concern, I am filing a complaint against **Experian** for its continued reporting of a **fraudulent and unauthorized student loan account allegedly held by XXXX. This account **does not belong to me**, and **no signed agreement or valid contract** has been provided by either XXXX or XXXX to prove that this debt is legitimate. 

Additionally, this account is **incomplete**, as it is **not associated with a physical address**, violating the basic standards for credit reporting accuracy. I have formally disputed this account, but XXXX has refused to remove it despite clear evidence that it is **fraudulent, inaccurate, and unverifiable**. 

-- - # # # **Violations by XXXX : ** - XXXX USC XXXX XXXX a ) ( XXXX ) ( B ) ( iii ) : ** Failure to remove disputed information that can not be verified. 

- XXXX XXXX XXXX XXXX : ** XXXX has failed in its duty to uphold the fairness, accuracy, and privacy required by the FCRA XXXX 

- XXXX XXXX XXXX XXXX ( a ) ( XXXX ) : ** Reporting a debt without a permissible purpose or verified consumer authorization. 

- XXXX CFR XXXX ( Regulation B ) : ** Allowing a fraudulent and unverifiable account to influence credit decisions is discriminatory and reckless. 

- XXXX XXXX XXXX : ** No validation or billing explanation has been provided, a clear violation of fair credit billing standards. 

- **UCC XXXX : ** XXXX is reporting a debt for which no contract or legal obligation exists, and no lawful consideration was provided. 

- XXXX/ XXXX XXXX XXXX ( 1933 ) : ** The alleged loan is based on fiat, not lawful money XXXX and no consideration was lawfully exchanged. 

- XXXX XXXX XXXX : ** Transunion is assisting in the unlawful reporting of a student loan account that does not follow federal discharge or validation standards. 

-- - # # # **Summary : ** The XXXX account is **fraudulent, not mine**, and is causing damage to my financial credibility and emotional well-being. Experians **continued reporting of this false and unverifiable debt** is unlawful and in direct violation of my 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that there was an inaccurate accounts on my credit reports. XXXX XXXX dates XXXX late XX/XX/year> and XX/XX/year> Upon reviewing my consumer reports I discovered some instances of late payments on an account for which i have always maintained timely payments. Consumer reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations with out delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that there was an inaccurate accounts on my credit reports. XXXX XXXX dates XXXX late XX/XX/year> and XX/XX/year> Upon reviewing my consumer reports I discovered some instances of late payments on an account for which i have always maintained timely payments. Consumer reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations with out delay.

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 2025-04-09 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: PA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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
Consumer complaint received 2025-04-09 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: MD

Complaint narrative:
I was reviewing my credit report and noticed theses inquiries that do not belong to me and were not authorized as such should be removed immediately XXXXXXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/year> XXXX XXXX. Date of inquiry : XX/XX/year> XXXX Card Services Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/year> XXXX bank Date of inquiry : XX/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 explanation
Consumer complaint received 2025-04-09 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: MD

Complaint narrative:
I was reviewing my credit report and noticed theses inquiries that do not belong to me and were not authorized as such should be removed immediately XXXXXXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/year> XXXX XXXX. Date of inquiry : XX/XX/year> XXXX Card Services Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/year> XXXX bank Date of inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IN

Complaint narrative:
Jefferson Capital collection is reporting XXXX collections on my account for XXXX which I do not own accounts numbers are XXXX & XXXX which is a violation of fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MN

Complaint narrative:
I am writing to formally request that you cease sending me stall letters and begin a proper investigation into the disputed items I submitted in accordance with the Fair Credit Reporting Act ( FCRA ). 

I previously submitted a written dispute regarding inaccurate or incomplete information on my credit report. According to the FCRA, credit reporting agencies are legally required to investigate disputes within 30 days of receipt. Your continued delay and generic responses do not satisfy your legal obligations under federal law. 

Please consider this letter as a follow-up and demand to begin your investigation immediately. I expect a response and resolution within the time allowed by the FCRA. If you require any additional information to process my dispute, please let me know promptly. 

I have attached a copy of my XXXX stall letter, along with copies of all relevant documentation, including my identification and any supporting evidence related to the dispute. 

Thank you for your attention to this matter. I look forward to your timely response. 

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 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: ID

Complaint narrative:
I have called several times requesting my payments made from XX/XX/XXXX to current, XX/XX/XXXX be updated in the National Student Loan Database and Mohela will not update missing parent counts so my loans for public service can be forgiven! 

The XXXX XXXX XXXX, XXXX Department of Education have also requested this be updated!!! They have requested to Mohela directly too!!! Mohela will not update my payment counts and is not working with me or Department of Education!!!,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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