vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
Im writing directly as the consumer affected by the inaccurate reporting on my credit report, and this is now my second attempt to resolve the issue privately. Theres no third party involved, so I expect a personalized response, not an automated or computer-generated reply. Ignoring this could be considered a willful violation of the Fair Credit Reporting Act ( FCRA ), leading to damages of up to {$1000.00} per violation or more if actual harm is proven. Im disappointed that this correction hasnt been made yet, and Im requesting immediate action. The unauthorized account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This information violates 15 USC 1681b ( 2 ), which allows reporting only when the consumer provides written permission. I never gave that authorization, so this account should not be on my report. Its presence has caused serious damage, including financial instability, emotional distress, and credit denials. Im asking for this account to be deleted immediately, and I do not consent to verification through automated systems like E-OSCAR. I expect confirmation of deletion and an updated report within 14 days. If this isnt resolved, I will have no choice but to take legal action under 15 USC 1681n for damages caused by this ongoing violation.

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 2025-02-10 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Mercury Technologies, Inc.

Complaint narrative:
I have repeatedly contacted Mercury support to request a transfer of my business funds to my bank account, but I have not received any response or assistance. Instead of processing the requested transfer, Mercury issued a check and mailed it to my address without addressing my concerns about why my funds could not be transferred electronically.

When I received the check, I attempted to deposit it into my bank account. However, due to restrictions and endorsement requirements, I am unable to use the check to access my funds. I have reached out to Mercury support multiple times, but they have failed to provide a resolution or even respond adequately to my concerns.

This situation has caused a major disruption to my business operations, as I can not access my own money despite multiple attempts to resolve this issue with Mercury. Their lack of communication and refusal to assist in transferring the funds through a method I can use is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I sent a large payment on XX/XX/XXXX to pay off XXXX of my loans, and the payment has not been posted over 3 months later. The money was taken from my bank, and I received a confirmation email, but MOHELA has not processed the payment or applied it to my loans. I want to keep paying off my loans but I am concerned that these payments are not being processed. 

I contacted MOHELA through their message center on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but their replies were auto generated and did not help with my payment processing. I also submitted a complaint on the Consumer Financial Protection Bureau in XXXX, but after 2 months MOHELA simply replied that they were still looking into the issue. 

I am deeply concerned about my money being missing and not being applied to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Torriere Holdings INC
State: FL

Complaint narrative:
I am writing to formally dispute the alleged debt referenced in your correspondence dated. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I am requesting validation of this debt. Please provide the necessary documentation as required under the law.

I have the right to request validation of the debt, and you are required by law to cease all collection activities until you provide such validation. This includes but is not limited to : a copy of the original signed agreement, a detailed breakdown of the debt, and proof that you are legally authorized to collect this debt.

Please note that failure to provide the requested documentation will be considered a violation of the FDCPA. Should you fail to comply, I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals office.

Furthermore, under 15 USC 1692e, I remind you that it is prohibited to make false, deceptive, or misleading representations in your communications. Should you fail to provide the requested validation, it will be considered a violation of this provision, and I will take appropriate action. 
Please respond to this request within the legally required 30 days from the receipt of this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
Brook and Scott negotiated an amount with me. Payments were made through the portal until portal was suddenly inaccessible. I called Brook and Scott to follow up, was informed that they no longer worked with XXXX  XXXX XXXX and that the debt was sold to another company. I received notification via mail from new company, currently can not remember their name. But the amount that they alleged that I owed was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and XXXX credit report : XXXX XXXX XXXX XXXX, ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX, OPEN DATE : XX/XX/XXXX, XXXX XXXX, ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX, ACCOUNT XXXX, OPEN DATE : XX/XX/XXXX 2019

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 2025-02-10 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: WI

Complaint narrative:
I received an email from my cell phone provider that my information was leaked in a data breach. Since then I have been monitoring my credit report and trying to get these collections that randomly appeared on my credit report off. The companies are not responding to me and when I dispute with each of the credit bureaus they send me a letter saying the information is accurate and verified but have not provided me with any documentation that the information is mine and what they veirifed. There is also a bankruptcy that appears on my credit report that does not belong to me. I contacted the court listed on my credit report and they sent me a letter of which I forwarded a copy to each of the credit bureaus indicating that they did not report that information to the credit bureau. However, even after receiving a copy of that letter, the credit bureaus sent me a letter indicating that the information is verified when the court clearly stated that they did not provide the information. I am in the process of trying to purchase a home and having trouble getting this information removed that is not accurate so I was advised to file a complaint here to see if this information can be resolved. Also, XXXX of the collections listed on my credit report that doesn't belong to me, the credit bureaus are allowing this company to charge me interest each month on a collection listed on my credit report as I have noticed that the balance increases each month in addition to them being listed as open accounts. Not only are the accounts listed not mine, they are not being reported correctly.

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 2025-02-10 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: WI

Complaint narrative:
I received an email from my cell phone provider that my information was leaked in a data breach. Since then I have been monitoring my credit report and trying to get these collections that randomly appeared on my credit report off. The companies are not responding to me and when I dispute with each of the credit bureaus they send me a letter saying the information is accurate and verified but have not provided me with any documentation that the information is mine and what they veirifed. There is also a bankruptcy that appears on my credit report that does not belong to me. I contacted the court listed on my credit report and they sent me a letter of which I forwarded a copy to each of the credit bureaus indicating that they did not report that information to the credit bureau. However, even after receiving a copy of that letter, the credit bureaus sent me a letter indicating that the information is verified when the court clearly stated that they did not provide the information. I am in the process of trying to purchase a home and having trouble getting this information removed that is not accurate so I was advised to file a complaint here to see if this information can be resolved. Also, XXXX of the collections listed on my credit report that doesn't belong to me, the credit bureaus are allowing this company to charge me interest each month on a collection listed on my credit report as I have noticed that the balance increases each month in addition to them being listed as open accounts. Not only are the accounts listed not mine, they are not being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I still have not received the correct one-time IDR account adjustment on my loans. I have a letter in writing from Aidvantage dated XX/XX/XXXX that I had at least XXXX qualifying payments toward forgiveness before the one-time IDR account adjustment. I should have had many more qualifying payments even before the one-time IDR account adjustment and I was told to wait for the IDR adjustment to take place. Now after the IDR adjustment was made on XX/XX/XXXX ; I still do not have the correct credited payments I should have as now I am only showing XXXX qualifying credited payment. I only received one additional qualifying payment with the IDR adjustment which is totally inaccurate. I was lied to once and told to reconsolidate loans in order to receive the corrected IDR qualifying credited payments. How long must the wrong continue? 

I should have received over XXXX qualifying payments after the one-time IDR account adjustment and I should no longer owe any money for my student loans. In fact, I should receive a refund for the payments I made in XXXX to Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NJ

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 ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$980.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-10 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: NJ

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 ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$980.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to normally expressed my concerns regarding XXXX handling of disputes, particularly in our right of the recent XXXXXXXX XXXX XXXX XXXXXXXX. Highline significant issues with the platform. despite using Zelle, numerous Times and reporting discrepancies, My financial intuition and Zelle failed to investigate my claims. they informed me that receiving those funds was impossible that they are tracking each transaction was infeasible. The CFPB neglected to protect consumers, but has also allow, repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about the consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CAPITAL ONE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off and Request for XXXX Documentation Dear CAPITAL ONE, I am writing to formally dispute the charge-off reported on my credit file under account number XXXX XXXX  XXXX CREDIT CARD. I recently discovered that this debt was written off without my consent, yet I have not received a XXXX Cancellation of Debt Form as required by the IRS. If the debt has indeed been canceled, I am requesting immediate confirmation and removal of this account from my credit report. 

Under IRS guidelines, a creditor must issue a XXXX form when a debt of {$600.00} or more is canceled or forgiven. If you have officially XXXX this debt, I request that you : XXXX. Provide a copy of the XXXX form that should have been sent to me for tax reporting purposes. 
XXXX. Confirm in writing that this debt has been canceled and is no longer being pursued for collection.

3. Update my credit report to reflect a {$0.00} balance and remove any negative reporting associated with this charge-off, as I no longer owe this amount.

If this charge-off remains on my credit report despite the debt being written off, it may be a violation of credit reporting regulations and IRS reporting requirements. I request that this matter be addressed promptly. If I do not receive a response within 30 days, I may escalate this dispute to the IRS, Consumer Financial Protection Bureau ( CFPB ), and credit bureaus for further investigation. 

Please send your response and any supporting documentation to the address listed above. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation