vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: V and H Portfolio
State: FL

Complaint narrative:
Dear Vance and Huffman, I am writing to formally dispute the alleged debt that your company is attempting to collect from me. I have no knowledge of this debt, and I do not believe that I owe it. 

I am requesting that you immediately cease all communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, emails, and any other form of contact. 

Furthermore, I demand that you provide me with written verification of this alleged debt. This verification must include : The name of the original creditor. 

The original account number. 

A copy of the original contract or other documentation that allegedly establishes my obligation to pay this debt. 

I am also aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), a federal law that protects consumers from abusive debt collection practices. Specifically, I draw your attention to the following : 15 U.S. Code 1692e - False or misleading representations : This section of the FDCPA prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. This includes falsely representing the character, amount, or legal status of any debt.

15 U.S. Code 1692e ( 8 ) : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

I insist that you investigate this matter thoroughly. If you can not provide valid and complete verification of this alleged debt, you must : Immediately cease all collection efforts against me.

Send me written confirmation that the debt has been removed from my account and that no further attempts to collect it will be made.

If this debt has been reported to any credit reporting agencies, take immediate action to have it removed from my credit report.

Failure to comply with this request may result in me filing a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the [ Your State ] Attorney General 's Office, and/or pursuing other legal options to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX of XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX seized all of my funds in my Wells Fargo checking account which included protected property including my XXXX  XXXX XXXX XXXX ( XXXX ), which is a violation of Texas Government Code 851.006. They seized {$2800.00} and left my account with {$0.00}. This has caused me a financial hardship. They did not follow due process and was never sent anything via email or usps mail to inform me of the seizure. Wells Fargo allowed the unlawful seizure of protected property in violation of the 4th and 14th amendments to the United States Constitution.

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 2025-05-07 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: TN

Complaint narrative:
I did not authorize these inquiries. Please remove immediately. 
Equifax XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX : XX/XX/year> TransUnion XXXX XXXX XXXX : XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kikoff Inc.
State: RI

Complaint narrative:
Told I wouldnt be charged for cancellation got charged the hole amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
To whom it may concern : I have the right to contest ANY information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. 
The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been XXXX person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with MANY errors in my personal information in which there are also inquiries I have NOT authorized. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! Im requesting evidence to show why my personal information is incorrect. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries.The evidence of actions and my updated credit report should be sent via mail. 

XXXX XXXX for all data furnishers should be correctly submitted : TransUnion, Experian, and Equifax. 

NAME : XXXX XXXX XXXX Can you please delete any names in your system that do not match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that do not match XXXX XXXX XXXX. 

CURRENT ADDRESS : XXXX NORDIC AV, XXXX, ID XXXX I would appreciate it if you could take care of any address that may be listed incorrectly in your database. My actual address is XXXX XXXX XXXX. If you have anything in your system that is different from what I have just mentioned then delete them immediately. 

As a consumer, I have listed the concerns about the data furnishers reporting in this document. It is not complete and does not meet applicable standards because according to law, the data furnishers are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated. 

Appreciatively, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, ID XXXX OR to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX SSN : XXXX DOB : XX/XX/XXXX 1982

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 2025-05-07 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  XXXX # XXXX XX/XX/XXXX -- {$380.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$130.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$77.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$260.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$720.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$150.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$2200.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$250.00}

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 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX of its affiliated companies including XXXX filed bankruptcy XXXX XXXX case XXXX XXXX XXXX XXXX  which included XXXX accounts that are reporting to Equifax as collections accounts.. I have sent Equifax several disputes with the Bankruptcy information and they wont delete this information off of my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
I am a federal student loan borrower whose loans were previously serviced by XXXX. I was not making payments at the time because I had applied for the XXXX repayment plan, and my loans were in forbearance while the program was being implemented. 

My loans were later transferred to MOHELA, but I was never notified that my loans had exited forbearance or that payments were due again. I only discovered this when my credit score was negatively impacted, and I checked my account to find a past-due balance of {$750.00} and a delinquency of over 185 days. 

On XX/XX/year>, I contacted MOHELA through their secure messaging system and requested either ( 1 ) a retroactive forbearance or ( 2 ) a payment plan to resolve the delinquency without going into default. MOHELA responded with a generic message that did not address my actual request or offer a resolution. 

I am actively trying to stay out of default and take responsibility for my loans, but I was not given proper notification of when payments were due or that the forbearance had endeddespite being enrolled in the XXXX program and transitioning between servicers. 

I am requesting that MOHELA : 1. Apply a retroactive forbearance to bring my account current, 2. Offer a payment arrangement if needed to resolve the past-due amount, 3. Remove the negative credit reporting that resulted from this breakdown in communication and improper transition between loan servicers. 

I acted in good faith and followed the instructions around SAVE and forbearance. The current delinquency and credit damage are due to MOHELAs failure to notify me of my repayment status after the transfer. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am disputing a rental collection from Transworld Systems Inc for XXXX XXXX XXXXOn XX/XX/year>, I sent a debt validation request. I received no response. 
I followed up with a Final Notice, which was delivered on XX/XX/year>, clearly stating that if no validation was provided, the debt must be removed. 

As of today, XX/XX/year>, they have not provided any validation, yet they continue to report the debt to Experian. 

This violates the Fair Debt Collection Practices Act ( FDCPA ), specifically sections 1692g and 1692e, and may also violate the Fair Credit Reporting Act ( FCRA ). 

I am requesting an investigation and full removal of this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CashRepublic Holdings, Inc.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute an inaccurate reporting on my credit report for the month of XXXX XXXX, in which your institution has listed a " Late/Charge Off '' status on my account. This is incorrect and has negatively impacted my credit score despite my efforts to fulfill my obligations in good faith. 

On XXXX XXXX XXXX, I contacted XXXX XXXX XXXX ( XXXX ) the collection agency working on your behalfand paid the full settlement balance of {$1100.00} as agreed. This payment resolved the account in full, and I have documentation to support this, including the proof of payment from my bank account and the confirmation from XXXX XXXX XXXX indicating the account was " Settled in Full. '' Despite this, XXXX XXXX  reported the account as delinquent for XXXX XXXX, which is both inaccurate and unfair. The payment was made prior to the end of XXXX, and as such, no delinquency should have been reported for the following month. According to credit reporting standards and the Fair Credit Reporting Act ( FCRA ), consumers have the right to expect accurate and timely updates to their credit files. 

I respectfully request that you immediately correct the reporting for the month of XXXX XXXX updating the status to accurately reflect that the account was " Paid in Full Settled '' as of XXXX XXXX XXXX. I am attaching the relevant proof of payment and documentation from XXXX XXXX XXXX for your review. 

If this issue is not resolved promptly, I will be compelled to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are protected under federal law. 

I appreciate your attention to this matter and sincerely hope for a swift resolution. I valued your service during a time of financial need and trusted that my repayment would be handled with accuracy and integrity. 

Sincerely, [ Attached : Proof of Payment, Confirmation from XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence.

The following inquiries must be removed immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them.

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issue This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts.

Thank you for your immediate attention to this matter. I can be reached at the contact information above if further clarification is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I called and canceled services in XXXX XXXX XXXX paid my bill and returned the equipment a month later. Account was later reported to XXXX with a balance

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 2025-05-07 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation