vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: GA

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

Company 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 2025-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NY

Complaint narrative:
Subject : Credit Dispute Incorrect Late Payment Reporting by MOHELA Dear Credit Bureau Dispute Department, I am writing to formally dispute a late payment reported by MOHELA that has negatively impacted my credit score. This late payment resulted from misinformation and failure of communication on MOHELAs part, despite my repeated attempts to resolve the issue in good faith. 

Background of the Dispute : In XXXX, after my application for the XXXX plan was under review, I contacted MOHELA and was explicitly told that my account would be placed into forbearance and that I did not need to take further action or make payments. 
Despite this assurance, my account did not reflect forbearance status, and I began receiving conflicting messages from MOHELA. 
Over the following several months, I attempted to contact MOHELA more than XXXX to XXXX times, often waiting on hold for XXXX hours or leaving my number for a callback that never came. 
Each time I called, MOHELAs automated system or representatives indicated that if my XXXX application was pending, my account would be placed into forbearance. This was not honored. 
My wifes account, under the same program and circumstances, was placed into forbearance, yet mine remained active and delinquent despite my repeated efforts to correct the issue. 

Final Attempts to Resolve & Impact on My Credit : After calling every day for a month straight, without resolution, I finally decided to pay the balance to prevent further issues. 
Despite my compliance and months of proactive effort, I was then notified that my credit score had significantly dropped due to a reported late paymentone that should never have occurred if MOHELA had followed through on their stated policies.

Request for Resolution : Given the overwhelming evidence of MOHELAs failure to process my account correctly, their misleading instructions, and their complete lack of response to my repeated inquiries, I request that this late payment be removed from my credit report immediately. 

I have done everything in my power to act responsibly, communicate with my loan servicer, and follow the guidance I was given. MOHELAs failure to uphold their own procedures and provide clear communication should not result in damage to my creditworthiness. 

Please investigate this dispute and remove the inaccurate late payment from my credit report. I appreciate your time and attention to this matter and look forward to a resolution. 

Sincerely, 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 2025-04-01 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: MA

Complaint narrative:
These addresses are connected to accounts opened fraudulently in my name due to identity theft, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 605B and the Fair and Accurate Credit Transactions Act ( FACTA ). 
As per FCRA 605B ( c ), you are required to block and remove all information on my report that is the result of identity theft upon receiving proper notice. This letter serves as that notice. Please conduct an immediate reinvestigation under FCRA 1681i. 
In support of my request, I refer to Gillespie v. XXXX Information Services, LLC, 484 F.3d 938 ( 7th Cir. 2007 ), which reaffirmed that credit reporting agencies have a duty to conduct a reasonable reinvestigation when a consumer disputes information on their report, especially in identity theft situations. The court emphasized that failure to comply with these requirements can constitute a violation of the 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 explanation
Consumer complaint received 2025-04-01 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-01 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
To Whom It May Concern, This took place on Thursday, XX/XX/year>2025. I am filing a complaint regarding a debt collection agency that has engaged in harassing, misleading, and threatening behavior while attempting to collect a debt from me. The collector has been calling me repeatedly every day from different phone numbers, making it difficult to identify them I had no idea who it was so when I finally answered I realized it was debt collectors, the representative attempted to set up a payment arrangement. I willingly complied and offered to make monthly payments based on what I could afford. However, the representative refused my proposed payment and insisted that I either pay {$800.00} immediately or commit to monthly payments of {$100.00}, which I was unable to do at the time. When I explained my financial situation and said I would get back to them, the collector became aggressive, irate, and disrespectful. They threatened to take me to court and sue me if I did not make a payment by the following day. Additionally, they falsely claimed this was their sixth time speaking to me, which is untrue. This behavior has left me feeling harassed, intimidated, and XXXX. I believe these actions violate the Fair Debt Collection Practices Act ( FDCPA ) and request an investigation into this agencys conduct. I would appreciate any assistance in stopping these unfair and deceptive practices. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information reported on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 1681i. I believe that the information reported by XXXX. XXXX XXXX and XXXX is inaccurate and requires investigation. 

The following inaccuracies need to be addressed : XXXX. XXXX XXXXXXXX XXXX : This account is reported as past due, but I have documentation showing that it was paid in full, XXXX. **XXXX** : This account was settled for less than the amount reported, which has adversely affected my credit score.

I am requesting that you conduct a thorough investigation of the above accounts and verify the correctness of the information. Please review the attached documents that support my claims. Under the FCRA, I understand that you are required to complete your investigation within 30 days and notify me of the results. 

Additionally, please send me a copy of my updated credit report once the investigation is complete. I appreciate your prompt attention to this matter and look forward to resolving these discrepancies. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request an investigation into accounts that have been wrongly reported with late payments. Upon checking my credit report, I noticed that certain accounts were inaccurately marked. There should be no late payment remarks on these accounts. Kindly remove them and update the accounts to reflect a positive standing as agreed.

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 2025-04-01 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: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had a fraudulent account on my report. Please remove this account from my report, it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I was effected by XXXX XXXXXXXX XXXX XXXX, the XXXX caused a financial burden due to the damage and unexpected expenses it caused. My account was marked late for 3 months, but I was actively enrolled in the XXXX XXXX XXXX XXXX which is suppose to cancel monthly minimum payments if effected by a Natural Disaster declared by XXXX. I reached out to Indigo, they agreed that the late payments should be removed, XXXX filed a dispute to have the late payments removed but Experian, Equifax, and Transunion all denied the dispute to remove the late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year>.

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 2025-04-01 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: TX

Complaint narrative:
I was effected by XXXX XXXXXXXX XXXX XXXX, the XXXX caused a financial burden due to the damage and unexpected expenses it caused. My account was marked late for 3 months, but I was actively enrolled in the XXXX XXXX XXXX XXXX which is suppose to cancel monthly minimum payments if effected by a Natural Disaster declared by XXXX. I reached out to Indigo, they agreed that the late payments should be removed, XXXX filed a dispute to have the late payments removed but Experian, Equifax, and Transunion all denied the dispute to remove the late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID. b. A copy of a recent utility bill or bank statement confirming my current address. c. A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to formally dispute an inaccurate and incomplete account that is currently being reported on my credit file by Equifax. The information related to this account does not meet the requirements set forth under the Metro 2 compliance standards, and it also violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which mandates that credit reporting agencies only report accurate and complete data.

Despite my previous attempts to resolve this matter directly with Equifax, the discrepancies remain unaddressed, and the account continues to be reported incorrectly. 

Account Information in Dispute : XXXX XXXX XXXX Account Name/Number : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : This account is inaccurately reported and incomplete, failing to comply with Metro 2 standards and the FCRAs requirements under 15 U.S.C. 1681b. The account does not accurately reflect the correct payment history or the relevant account details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I bought a laptop on XX/XX/year>, online at best but, I never received the laptop, I communicate with Best Buy a lot of times, in many different ways, went to XXXX of their stores and they dont want to give me a refund, I have past through a lot of stress with this and i have been force to pay the monthly payment on the credit card from Best Buy because they dont want to give me a refund. 

I think the delivery man stole the package because the photo he took as proof of delivery was from inside his car from the opposite side of the street showing the building where a live from far.

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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This response to complaint # XXXXLVNV funding used a Law group by the name of XXXX XXXX XXXX to have my account levied for to collect a deft, I had to educate myself about this type of collections that they sneakily go into your bank account and steal your money, I learned that you could ask for a validation of that letter from them, which I mail XXXX to the office in XXXX  and XXXX to the office in XXXX XXXX I have never received a response from them. I also asked for my money back as it was wrongfully gone to me as the debt is a charge of debt that they apparently paid {$1.00} to {$25.00} the most for the charge off debt. This is a company thats making billions of dollars from stealing people money. This company left me penny less as I have to work a whole month to pay my rent. I spoke to XXXX XXXX XXXX who claimed that they sent me something in the mail regarding this debt, I have never received anything in the mail from them. Nor was I serve physically, the first time I heard about this law firm was when my bank account was levied, LVNV funding had never sent any mail to me either. Im expecting my money to return to me and a apology from this company. Theres a statue of limitation to collect a debt that was charge off in XXXX. Im expecting some help from consumer financial protection bureau and my money to be returned to me.

They are not following the 15 U.S. 1692 code, they continue to sneakily rob from people thats why they have multiple lawsuits and someone won XXXX XXXX from them because what theyre doing is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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