vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I filed a dispute on account XXXX, CBNA because this account was not mine. I believe it is a result of identity theft. I provided supporting documentation including my FTC Identity Theft Report and my government issued identification to confirm that the account is unauthorized and does not belong to me. 

Despite the evidence provided, XXXX failed to follow up with a proper investigation or take corrective action. I was recently notified that the CFPB has filed a lawsuit against XXXX for accepting unreliable information and for failing to notify consumers of dispute results. This situation mirrors my own experience as XXXX has neither removed nor corrected the derogatory remark on my credit report. Notably, this account has been removed from both my XXXX and XXXX reports, but it still remains on my XXXX file. 

This unresolved issue is affecting my ability to secure suitable housing. I have a XXXX year old XXXX  and our current living environment is impacting his health. I am in the process of moving into a healthier home for him and the presence of this inaccurate information is directly undermining our efforts to do so. 

I respectfully request that this derogatory remark be removed or corrected immediately. XXXX failure to address my dispute violates my rights as a consumer and runs counter to federal laws designed to protect consumers. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.

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 2025-03-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MOHELA
State: GA

Complaint narrative:
I received correspondence through XXXX mail from an imposter claiming to be from MOHELA.

Mohela is a federal student aid for department of education and the imposter used print that appears to be exactly like Mohela, but it is fake. 

The imposter also directs me to go to their website to make payments which also resembles Mohela page that is also fake because it does not have the words federal student aid on it. 

They are using aggressive tactics by sending me a past due bill almost twice per week with late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$680.00} - Account # : XXXX XXXX XXXX - Balance : {$25000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Debt with NCB Management Services Dear CFPB Representative, I hope this letter finds you well. I am writing to formally dispute a debt reported by NCB Management Services, which I believe is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ).

Under Section 609 of the FCRA ( 15 U.S.C. 1681g ), I am entitled to request the details of the debt being reported, including the name of the creditor, the amount owed, and the date of the original charge-off. I have not received sufficient information to validate this debt, and I am requesting that NCB Management Services provid
e this information.

Furthermore, according to Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute any information in my credit report that I believe is inaccurate. I am exercising this right and request that NCB Management Services investigate this matter. Until they provide the necessary validation, I ask that they cease reporting this debt to the credit bureaus.

Additionally, under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), I would like to remind NCB Management Services of their obligation to report accurate information. If they are unable to validate the debt, they must correct or delete the inaccurate information from my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. Please let me know if you require any further information from my side to assist in this dispute. 

Thank you for your assistance. 

Sincerely, XXXX XXXX -- - Feel free to fill in your personal information and make any adjustments as needed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXXXXXX XXXX issued a balance transfer in the amount of {$3800.00}. It WAS to go to XXXX XXXX Credit Card. 

They accidently sent it to Citi Bank. I do NOT have any account with them. Citi Bank has since cashed this check. They won't help me and return my money.

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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I had a credit card. I stopped using it. I did have it on file with a couple of on line venders. But I cancelled and paid everything. Then a year and a half later they are saying my card is in collections. I didnt charge this. I would have paid it. This isnt me. I cant get it off my credit report. They say I have to pay anyway. Im so upset. They said to file a police report. How can I do that when I dont know what happened. I know it is not me. How do I get this removed. 
LVNV funding llc is the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear LVNV FUNDING LLC, I am writing to request verification of the debt you claim I owe. Please provide the following documentation : XXXX. The original contract or agreement showing my responsibility for the debt. 
XXXX. A detailed accounting of the debt, including the original amount, interest, fees, and any payments made. 
XXXX. Proof of your company 's license to collect debts in XXXX. 
XXXX. Verification of the statute of limitations on this debt. 

Please cease and desist all communication regarding this debt until you provide the requested verification. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
Subject : Formal Dispute Violations of FCRA & Failure to Conduct Proper Investigation To Whom It May Concern, I am formally disputing an inaccurateaccount appearing on my credit report. This account is associated with an address that has never been my residence, and has never been reported on any of my credit obligations. Furthermore, the name on the account is missing my middle name XXXX making it abundantly clear that this account does not belong to me. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Failure to Investigate By continuing to report this clearly erroneous account, this credit XXXX is in direct violation of : 15 U.S. Code 1681i Failure to Conduct a Reasonable Investigation : You have previously allowed this inaccurate account to remain, despite clear evidence that it does not belong to me. 

15 U.S. Code 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : This account has no valid connection to me, yet it remains on my file. 
15 U.S. Code 1681n Willful Noncompliance with the FCRA : By failing to act despite clear discrepancies, this credit buearu is willfully violating my rights. 

15 U.S. Code 1681o Negligent Noncompliance : Your failure to correct this error after previous disputes demonstrates negligence. 

Undisputed Proof of My Accurate Credit Profile Every single one of my legitimate installment and revolving accounts has always been and continues to report under my XXXX and only address for the past XXXX  years : XXXX XXXX XXXX This undisputed fact is further corroborated by the documentation attached to this letter. There is no justifiable reason for this account to remain on my file. 

Demand for Immediate Action Given the blatant violations outlined above, I am demanding that : XXXXXXXX  remove this fraudulent account from my credit report. 

XXXX written confirmation of the accounts deletion within 30 days. 

XXXX and desist from any further reporting of this account. 

Failure to comply will result in legal action against this credit bureau for willful violations of my rights under the Fair Credit Reporting Act and any other applicable federal or state consumer protection laws. 

This is your final notice to correct this issue before I escalate the matter further. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
I filed a dispute on XXXX Discover Bank due to account containing incorrect information. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. They have alleged the company is accepting unreliable information and fails to notify consumer dispute results. This aligns well with my current situation. XXXX has not attempted to remove nor correct any information that I have disputed. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX is violating my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: IN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-03-26 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: TX

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I am reporting an issue that occurred with a pre-approved XXXX auto loan, mishandled by the dealership XXXX XXXX. I was approved for financing and signed all relevant documents with the dealership in XX/XX/year>. However, the dealership failed to submit the required paperwork to XXXX, causing the loan to expire without my knowledge. 

By the time I was made aware ( XX/XX/year> ), my XXXX XXXX had dropped significantly due to unrelated military financial obligations and attempts to repair past credit issues. This drop affected my ability to requalify for the same amount. The dealerships mistake has placed me in a financially damaging situation and left me without a valid loan for the vehicle Ive had since XXXX. 

Im requesting CFPB investigate how the dealerships failure impacted my credit and consumer rights, and ensure Im not held liable for their mishandling of the loan process.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: IL

Complaint narrative:
I submitted a dispute. Experian refused to investigate alleging the dispute was not submitted by me. I initiated the dispute.

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 2025-03-26 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: MS

Complaint narrative:
Upon viewing my credit report, I noticed fraudulent accounts on my report. Please remove them as they are hurting my score.

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 2025-03-26 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: CT

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 2025-03-26 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: IL

Complaint narrative:
I do not recognize these addresses. Please remove. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2025-03-26 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-03-26 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: SC

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: OR

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my credit report as they are hurting my ability to access credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation