vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
I transferred money using XXXX  ( Transaction ID : XXXX XXXX XXXX XXXX ) to my XXXX in XXXX. It has been nearly a week, and the money has not been delivered. XXXX ( the receiving bank ) confirmed they have no record of this transaction. 
I spoke to more than XXXX customer service agents from XXXX, but they only asked me to wait without providing any update. I now believe this may be a serious system issue or mishandling of funds. I want either a full refund or clear proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 am writing to formally dispute inaccurate information being reported on my credit file. The account listed above is being reported as a charge-off/collection, but this account has been paid in full. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ), data furnishers are required to report only accurate and complete information. Continuing to report this account as unpaid is false and damaging to my credit profile. 

Attached you will find proof of payment, which clearly shows the account was settled/paid. 

I am requesting that the account be : Removed entirely from my credit report if no balance remains and the derogatory status is no longer valid.

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 2025-04-08 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: NJ

Complaint narrative:
I am filing this complaint under FCRA 605B ( 15 USC 1681c-2 ) to request that TransUnion block fraudulent information appearing on my credit report. These accounts resulted from identity theft, the XXXX data breach, and fraud and must be removed within four ( 4 ) business days of receiving this request.

The fraudulent accounts and inquiries include : was not authorized XXXX XXXX Date of inquiry : XX/XX/year>2024 Please remove it from my credit report. 
2. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer FICO credit report. 
I expect TransUnion to comply with the Fair Credit Reporting Act ( FCRA ) and immediately block these fraudulent items 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 2025-04-08 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-08 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-08 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: MO

Complaint narrative:
I opened a credit card with capital one and they offered me a 0 % introductory promotional rate. They did not honor the rate and now I'm being charged interest. I asked them to honor the rate and just send me a letter with the result. 

It's been over 15 business days since that initial request Capital One told me they would respond in 10 days and there has been no response. 

I have XXXX kids to feed and my wife is in the middle of a job change

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi there. I am sending FTC report about fradulant inquiries ( XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX ). please remove these inquiries from my credit report as these are not mine and fradulant. thank you

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 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I was behind one or two months on my mortgage. So I had called them to make a payment. And I had asked them where their fees were coming from because on every mortgage statement the fee price was different and it was all over the place meanwhile I have a fixed mortgage. So I asked them to send me. A copy of all payments made and all payments received so they sent me a copy of all the payments received But they did not send me a copy of all payments made. Now I have had a XXXX fixed mortgage since 2002 that I made extra payments on etc and it is beyond me how as of XXXX of this year my payment went from {$2100.00} down to {$1500.00}. when I called and spoke to them no one could give me a answer on why my rate has dropped and the only thing that I can think of is because I threatened them by saying that I was going to call you guys and make a complaint. I am also quite confused about how they charged me a late fee just about every month and yes I was late a few times but the real reason why I was late was because of the outrageous amount that they were charging me. Also when I purchase this home I had XXXX come out and they said I did not need flood insurance then I started getting charged for flood insurance and all I keep getting told is that it's my responsibility to call XXXX well I already have the letter from XXXX that I gave to the original mortgage company why isn't my responsibility to continue to deal with XXXX over and over again when I already did that before I originally purchased the home. They don't have a copy of the letter when they purchase the mortgage from the XXXX XXXX XXXX that I had isn't that their responsibility. Why do I have to do someone else 's job for them. The other question I have is then they sent me a check for {$60.00} saying overpayment doesn't say what I overpaid on or when they ever payment was but yet they charged me a late fee every month so I am completely confused with this company SPS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: FL

Complaint narrative:
I contacted Plaza Services on XX/XX/2025 and requested Proof of the vehicle sale at auction. I was advised that it would be mailed to me and to date I have not received anything. I called again on XX/XX//2025 and advised that I have not received my requested proof. I was advised that they are still working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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.

Complaint narrative:
I sent multiple emails requesting that a dispute be filed in regards to my credit report. My credit score was heavily penalised due to an old student loan being put into collections. I contacted the lender which was the Dept. of Education, paid off the outstanding balance and was told that the information would be corrected. But the credit score was penalised a second time earlier in the month of XXXX. I'm XXXX XXXX XXXX XXXX XXXX in XXXX and I don't have access to an American phone number. So I emailed Equifax customer service and never heard back. I need to know if my credit score will be readjusted or not regarding paying off this loan or if it is being penalised for another reason. I took out these two student loans back in XXXX and had my Tax returns garnished every year to pay down the loans. In XXXX the tax returns stopped being garnished so I assumed that all loan debt was paid off. I never received any notification in the mail or got an email. I also never got a phone call regarding the loans. 

Then when I enlisted in the XXXX in XXXX I got XXXX  XXXX  in XXXX and had to switch phone numbers. I'm unable to do much regarding this issue given my circumstances and Equifax has not helped me. If my credit score continues to be negatively impacted because of this loan that has been paid off, It will take years to rebuild it. XXXX was not negatively impacted at all which leads me to believe that it may be an error on Equifax 's side. I'm currently working with my command team to resolve this issue as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-08 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:
Please promptly block and delete the unauthorized accounts listed on my credit report. I did not authorize or recognize these accounts. As outlined in USC 1681g, I am requesting their removal within 15 days. Ive attached the relevant documentation for your review. Also, each credit bureau appears to have conflicting information regarding these accounts.

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 2025-04-08 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: AZ

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: DC

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC for attempting to collect an alleged debt that I do not owe, and for reporting inaccurate information to the credit reporting agencies without providing proper validation, in violation of both federal law and Louisiana state law. 

I requested validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), but LVNV Funding LLC failed to provide sufficient documentation. Despite this, they continued to pursue collection and reported the account to credit bureaus, which is a violation of 15 U.S.C. 1692e and 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ).

Additionally, this debt appears to be time-barred under Louisiana law . According to La. R.S. 9:3527, no legal collection activity can occur on prescribed debts unless a new agreement is signed, which I have not done. Any attempt to collect or report on a time-barred debt also violates La. R.S. 9:3562, which prohibits deceptive practices in consumer credit transactions. 

I have sent a formal dispute and cease & desist letter directly to LVNV Funding LLC, demanding deletion of all tradelines related to this alleged debt from XXXX, XXXX, and XXXX. They have ignored this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diverse Funding Associates LLC
State: MI

Complaint narrative:
The company repeatedly calls me multiple times a day. If I don't answer, they don't leave a message ; they simply keep calling until I respond. I've requested in writing on two separate occasions that they provide all information in writing, but I have yet to receive any documents from them.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
I am filing a complaint against Discover regarding a dispute involving two large purchases : {$6000.00} on XX/XX/XXXX and {$5100.00} on XX/XX/year>, from the merchant XXXX. The purchases were expensive, so I used two different credit cards for the transactions. 

When I initially filed the dispute on XX/XX/XXXX for good and services not received, both credit card companies provided me with provisional credits. One of the credit card companies made the provisional credit permanent ; however, Discover reversed the credit and ruled in favor of the merchant because he did not respond to their requests for information. Discover informed me that it was my responsibility to obtain a refund authorization from the merchant, even though I told them that the business had closed and the merchant was unreachable. 

In addition, an article was written in XXXX about the merchant, which I sent to Discover. " The Rise and Fall of XXXX, '' which explained how the merchant had shut down without notice, leaving many customers in the same situation as myself. Even with this, Discover denied my claim and ruled in favor of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MS

Complaint narrative:
I applied for Public Service Loan Forgiveness in XXXX, and all of the paperwork ( employment certifications, applications ) were in place by XXXX of XXXX. MOHELA refuses to count the payments I made to XXXX from XXXX, despite sharing XXXX statements as proof of payments and having employment certifications in place. Meanwhile, I have been paying MOHELA on the loans since XXXX, and they keep sending me to the Department of Education, which tells me the information is all in MOHELA 's hands for discharge. Nobody from either office will give me a name of anyone to speak with, or a supervisor. I have filed recount requests ( 3 ), and complaints ( 3 ). I have even contacted my Congressional representatives. Nothing seems to expedite the process of discharging my loans. I have surmised MOHELA simply does not want to discharge them and refund overpayments. People have started the PSLF process after me and their loans have been forgiven. I call MOHELA and the PSLF administrators monthly, nevertheless, and try over and over, because I would like to get this loan off of my balance sheet so I can save the money I have been overpaying to MOHELA and maybe next year be able to buy a home. They bounce me back and forth from one to the other, and just tell me to wait. I have been locked in this purgatory for 4 years and counting, and hope someone can help?

Company response to consumer: Closed with explanation