vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution 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 non-monetary relief
Consumer complaint received 2025-04-17 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries and accounts that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an XXXX XXXX According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
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

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 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX  was the original company I contracted with, they charged off this debt I verified with my credit report, debt is securitized and they have not provided me with any purchase agreement signed by me.

Portfolio Recovery services is who bought the alleged Debt, which they referred to account, I do not consent/contract to Portfolio Recovery Services . 
they sue on XX/XX/year> with incorrectly with proof of service violations USC 15 1692g and all applicable consumer codes.

I despute it with Portfolio Recovery and demand any ilegal judgement against my consumer natural person without predujice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
Received a response back from my original complaint regarding SHERMETA  LAW. I sent a certified letter on XX/XX/XXXX, asking for debt verification. Asked for information such as total of debt, name and address of original creditor, copy of any signature or agreement that verifies my obligations, the amount of debt and breakdown of all fees and costs. 

The response stated on XX/XX/year> from my complaint online through CFPB that due to my XXXX  XXXX bankruptcy that they are not disclosing the debt verification letter and information I requested and closed my complaint and case. 

It is illegal and a violation of the FDCPA to not verify debt that is requested. Bankruptcy involves a stay on collection efforts, but this DOES NOT relieve the debt collector of its obligations to provide validation of debt that was requested. 

From my understanding, the FDCPA does not provide any exemptions for debt collectors to avoid validation requirements when a consumer is in bankruptcy. 

I will be taking legal action and expect to receive a debt verification letter like I requested over a month ago listing all the items I want information on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MN

Complaint narrative:
I am writing to dispute the following information on my credit report. The account listed with a high balance of {$530.00} is either inaccurate or being reported with incorrect payment history. Please investigate this account and update or remove it based on the results of your findings.

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. 
Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/year> closed date XX/XX/year> as well as amount are incorrect.

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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I am formally disputing several inaccuracies on my credit report, specifically regarding accounts that have been wrongfully reported as late payments, along with incorrect personal information. After conducting a thorough review of my financial records, I can confirm that the following accounts were paid on time, and the late payment remarks are entirely inaccurate and misleading : XXXX XXXX Account ending in XXXXXXXX XXXX XXXX  Reported on XX/XX/year> {$44.00} XXXX XXXX  Account ending in XXXX XXXX XXXX XXXX XXXX Reported on XX/XX/year> {$0.00} XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX  Reported on XX/XX/year> {$5700.00} These errors have caused significant harm to my FICO score and, by extension, my ability to access fair financial opportunities. Given that payment history accounts for 35 % of my credit score, such misreporting must be taken seriously and corrected immediately.

Under 15 U.S. Code 1666b, I am entitled to an accurate and fair investigation of any disputed credit information. I am therefore demanding a prompt re-investigation into these accounts and a correction of the payment status to reflect their true standing. I also request that all inaccurate personal details on my report be reviewed and removed or updated accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I am submitting this complaint due to serious issues with MOHELA, my federal student loan servicer. For the past 24 months, MOHELA consistently reported my loan status as " on time '' to all three major credit bureaus. I had not made payments during that time, but MOHELA never reported delinquencies, which I took as an indication that I was either in a forbearance or deferment status, or that no payments were currently due. 

Recently, I attempted to re-engage with MOHELA to confirm my account status and resume payments, but the customer service phone number on file only routes to a Medicare promotional line, with no option to reach a loan specialist. I have not received any calls, emails, or notices from MOHELA indicating a change in status, upcoming payment due dates, or delinquency. 

Due to this total lack of communication and inability to access assistance, I have been unable to make a paymentdespite my willingness to do so. Now, MOHELA has suddenly reported a late payment to all three credit bureaus, resulting in a drop of over XXXX points on each report, despite my unchanged behavior and long-standing good credit record. 

This change appears to have been made arbitrarily, without notice, explanation, or opportunity to cure, and it has had a significant negative impact on my financial standing, including my ability to qualify for housing and credit products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I've mentioned this several times now, I really need your help to address the problem of my stolen identity. Please take quick action to remove the fraudulent entries and update any other inaccurate information 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 2025-04-17 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: Experian Information Solutions Inc.
State: NM

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: EQUIFAX, INC.
State: NM

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2025-04-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX To : [ Equifax / Experian / TransUnion ] [ Use the correct address below for each bureau ] Subject : Dispute of Inaccurate Late Payment Entries To Whom It XXXX Concern, I am writing to formally dispute late payment entries listed on my credit report that date back to XXXX. I believe these entries are inaccurate, as I have consistently made my payments on time since that period. 

I respectfully request that your office investigate this matter and verify the accuracy of the late payment notations. If the entries can not be verified, I kindly ask that they be removed from my credit report in accordance with the Fair Credit Reporting Act.U.S. Code as 15 U.S.C. 1681 et seq Although I do not currently have supporting documentation, I am confident in my payment history and hope that your review with the reporting creditor will confirm this. 

Thank you for your time and attention to this matter. Please inform me of the results of your investigation once completed. 

Sincerely, XXXX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX all was recorded late by discovered XXXX XXXX XXXX  XXXX was recorded late XXXX XXXX XXXXXXXX was recored late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX To : [ Equifax / Experian / TransUnion ] [ Use the correct address below for each bureau ] Subject : Dispute of Inaccurate Late Payment Entries To Whom It May Concern, I am writing to formally dispute late payment entries listed on my credit report that date back to XXXX. I believe these entries are inaccurate, as I have consistently made my payments on time since that period. 

I respectfully request that your office investigate this matter and verify the accuracy of the late payment notations. If the entries can not be verified, I kindly ask that they be removed from my credit report in accordance with the Fair Credit Reporting Act.U.S. Code as 15 U.S.C. 1681 et seq Although I do not currently have supporting documentation, I am confident in my payment history and hope that your review with the reporting creditor will confirm this. 

Thank you for your time and attention to this matter. Please inform me of the results of your investigation once completed. 

Sincerely, XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX all was recorded late by discovered XXXX XXXX XXXX  XXXX was recorded late XXXX XXXX XXXXXXXX was recored late

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX To : [ Equifax / Experian / TransUnion ] [ Use the correct address below for each bureau ] Subject : Dispute of Inaccurate Late Payment Entries To Whom It May Concern, I am writing to formally dispute late payment entries listed on my credit report that date back to XXXX. I believe these entries are inaccurate, as I have consistently made my payments on time since that period. 

I respectfully request that your office investigate this matter and verify the accuracy of the late payment notations. If the entries can not be verified, I kindly ask that they be removed from my credit report in accordance with the Fair Credit Reporting Act.U.S. Code as 15 U.S.C. 1681 et seq Although I do not currently have supporting documentation, I am confident in my payment history and hope that your review with the reporting creditor will confirm this. 

Thank you for your time and attention to this matter. Please inform me of the results of your investigation once completed. 

Sincerely, XXXX XXXX XXXX  XXXX. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX all was recorded late by discovered XXXX XXXX XXXX  XXXX was recorded late XXXX XXXX XXXXXXXX was recored late

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 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The account in question has been reinserted into my credit report, and I am demanding its full and permanent removal without further delay. The presence of unauthorized transactions and false information is the direct result of a data breach that exposed my personal and financial detailsan incident entirely beyond my control. 

Despite my prior attempts to correct this matter, these inaccuracies persist, reflecting a serious failure in your reporting obligations. Continuing to report these erroneous details, even after being notified of the data compromise, is completely unacceptable and irresponsible. This mismanagement is damaging my credit, undermining my financial health, and hindering critical opportunities. 

I demand a prompt investigation and complete deletion of the following account from my credit file XXXX XXXX XXXX XXXXXXXX Account Number : XXXX * * * * Date of Charge-Off : XX/XX/year> Amount : {$1600.00} Any further inaction, delay, or refusal to resolve this issue will be considered a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and all other applicable laws. I am fully prepared to take legal action and file formal complaints to enforce my consumer protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was denied credit on the basis on XXXX XXXX  violating my rights. They violated 1681s-2 ( b ) ( 1 ) by stating dispute resolved. They are in violation of my FCRA rights and punitive damages will be recovered under 15 USC 1681n ( 1 ) ( A ) damages can exceed {$100.00} - XXXX for each violation according to FCRA. They violated FDCPA by willfully and knowing put misleading information on my credit report. 

I am requesting immediate deletion of this company off my credit report for violating FCRA & FDCPA violations

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 2025-04-17 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: PA

Complaint narrative:
, This is a formal follow-up regarding my recent complaint and dispute related to inaccurate names reported on my TransUnion credit file. The names XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX were officially deleted by TransUnion on XX/XX/year>, as confirmed in their dispute results. However, despite acknowledging these names were incorrect, a negative account from XXXX XXXX ( Account XXXX. XXXX * * ) remains on my report and appears to still be associated with the deleted name ( XXXX ) * *. 

This is unacceptable. Once TransUnion acknowledged the name as inaccurate and removed it, any accounts tied to that incorrect identity should have been deleted immediately and not subject to reinvestigation. Continuing to report this negative account under a name they themselves found to be invalid is a clear violation of the FCRA, specifically : Section 611 failure to fully correct disputed information.

Section 607 ( b ) duty to ensure maximum possible accuracy. 

I am demanding the immediate removal of the XXXX XXXX account and any other negative data connected to the deleted and inaccurate names. This is not a matter for reinvestigation ; it is a matter of enforcement. 

Please confirm deletion within 15 days. If not resolved, I will escalate this with legal counsel and notify all appropriate regulatory agencies.

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 2025-04-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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