vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: Kriya Capital, LLC
State: FL

Complaint narrative:
Dear Debt Collector 's, I am writing to formally dispute the medical debt you have contacted me about and demand immediate validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I am aware of my rights, and I intend to exercise them fully.

You are required by law to provide the following information : 1. The name and address of the original creditor.

2. The exact amount of the debt, including any interest or fees that may have been added.

3. A detailed, itemized statement of the medical services provided, including dates of service and any payments made.

4. Copies of any documents that substantiate this debt and prove that I am legally obligated to pay it.

5. Evidence that you are licensed to collect debts in my state.

Furthermore, I demand that you cease all collection activities and communications until this debt has been fully validated. Under no circumstances should you report this alleged debt to any credit reporting agencies until you provide the requested documentation.

Additionally, I would like to point out that I have not received a Form 1099-C related to this account, which is mandatory for reporting canceled debt. Its absence raises serious questions about the legitimacy of this claim. 

If you fail to provide the requested information or if you continue to pursue this matter without validation, I will not hesitate to escalate this issue with the appropriate regulatory authorities and consider legal action to protect my rights. 

I expect your prompt attention to this matter and look forward to your swift compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Dear Debt Collector 's, I am writing to formally dispute the medical debt you have contacted me about and demand immediate validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I am aware of my rights, and I intend to exercise them fully. 

You are required by law to provide the following information : 1. The name and address of the original creditor.

2. The exact amount of the debt, including any interest or fees that may have been added.

3. A detailed, itemized statement of the medical services provided, including dates of service and any payments made.

4. Copies of any documents that substantiate this debt and prove that I am legally obligated to pay it.

5. Evidence that you are licensed to collect debts in my state. 

Furthermore, I demand that you cease all collection activities and communications until this debt has been fully validated. Under no circumstances should you report this alleged debt to any credit reporting agencies until you provide the requested documentation. 

Additionally, I would like to point out that I have not received a Form 1099-C related to this account, which is mandatory for reporting canceled debt. Its absence raises serious questions about the legitimacy of this claim. 

If you fail to provide the requested information or if you continue to pursue this matter without validation, I will not hesitate to escalate this issue with the appropriate regulatory authorities and consider legal action to protect my rights. 

I expect your prompt attention to this matter and look forward to your swift compliance. 

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 explanation
Consumer complaint received 2025-02-25 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NE

Complaint narrative:
I am formally disputing the student loan account reported by Mohela on my credit report due to unauthorized access and misuse of my personal and financial information. My data was compromised in violation of the Family Educational Rights and Privacy Act ( FERPA ), which protects student loan borrowers from unauthorized disclosures of their records.

Given this violation, I am requesting an immediate investigation and removal of this account from my credit report as the data breach has resulted in unauthorized and unfair financial harm. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, fraudulent, or improperly handled accounts. 

Please provide documentation verifying the accuracy and legitimacy of this loan, including proof that my personal information was not unlawfully accessed or misused. If Mohela and the credit bureaus can not verify this information as accurate and legally obtained, I request that this account be deleted from my credit file immediately. 

I appreciate your prompt attention to this matter. Please provide a written response with the results of your investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My report contains errors that are hurting my scores and costing me valuable opportunities. Its frustrating to be held back by mistakes that shouldnt even be there. These inaccuracies have led to rejections and unnecessary financial strain.

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 2025-02-25 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: Paypal Holdings, Inc
State: CO

Complaint narrative:
My account was randomly frozen in 2022, and after contacting customer support, the most info I received was that something triggered an automated system that said I violated their terms of service. They said that was all the info they were able to provide, and there was no process to appeal or reinstate my account. I made it clear that I was a XXXX  member who used my account to pay for snacks or pay coworkers back for lunch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
I am writing to formally express my feelings regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 reported to be removed/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. 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!

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 2025-02-25 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX ) regarding their failure to remove an inaccurate late payment from my credit report, despite my repeated efforts to resolve the issue directly with them. 



The late payment in question occurred in XX/XX/XXXX under my business, XXXX XXXX, XXXX ( Account # XXXX ). This was the only late payment ever recorded on this account. However, the delay was caused by MBFSs failure to promptly resolve issues with my ability to access their online payment portal. When I leased the vehicle in XX/XX/XXXX, I attempted multiple times from XXXX to XX/XX/XXXX to gain access to the portal, making numerous calls to MBFS representatives. Despite my efforts, I was unable to make online payments due to unresolved technical issues on their end. It was only in XX/XX/XXXX that an XXXX representative finally identified the problem and corrected it, allowing me to make payments successfully. 



Although this issue was clearly caused by delays in XXXX system, they have refused to remove the late payment from my credit report, which is unfair and inaccurate. This negative mark has significantly impacted my ability to secure housing for my family. Furthermore, this is a business auto loan, and as such, it should not be reflected on my personal credit report, as I was never in default on this account. 



I request the CFPBs intervention to ensure that XXXX removes this unjust late payment from my credit report and correctly reports this business loan in accordance with applicable regulations. 



Thank you for your time and assistance in this matter. I look forward to your prompt response.

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 2025-02-25 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX ) regarding their failure to remove an inaccurate late payment from my credit report, despite my repeated efforts to resolve the issue directly with them. 



The late payment in question occurred in XX/XX/XXXX under my business, XXXX XXXX, XXXX ( Account # XXXX ). This was the only late payment ever recorded on this account. However, the delay was caused by XXXX  failure to promptly resolve issues with my ability to access their online payment portal. When I leased the vehicle in XX/XX/XXXX, I attempted multiple times from XXXX to XX/XX/XXXX to gain access to the portal, making numerous calls to XXXX representatives. Despite my efforts, I was unable to make online payments due to unresolved technical issues on their end. It was only in XX/XX/XXXX that an XXXX representative finally identified the problem and corrected it, allowing me to make payments successfully. 



Although this issue was clearly caused by delays in XXXX system, they have refused to remove the late payment from my credit report, which is unfair and inaccurate. This negative mark has significantly impacted my ability to secure housing for my family. Furthermore, this is a business auto loan, and as such, it should not be reflected on my personal credit report, as I was never in default on this account. 



I request the CFPBs intervention to ensure that XXXX removes this unjust late payment from my credit report and correctly reports this business loan in accordance with applicable regulations. 



Thank you for your time and assistance in this matter. I look forward to your prompt response.

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 2025-02-25 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX ) regarding their failure to remove an inaccurate late payment from my credit report, despite my repeated efforts to resolve the issue directly with them. 



The late payment in question occurred in XX/XX/XXXX under my business, XXXX XXXX, XXXX ( Account # XXXX ). This was the only late payment ever recorded on this account. However, the delay was caused by XXXX failure to promptly resolve issues with my ability to access their online payment portal. When I leased the vehicle in XX/XX/XXXX, I attempted multiple times from XXXX to XX/XX/XXXX to gain access to the portal, making numerous calls to MBFS representatives. Despite my efforts, I was unable to make online payments due to unresolved technical issues on their end. It was only in XX/XX/XXXX that an XXXX representative finally identified the problem and corrected it, allowing me to make payments successfully. 



Although this issue was clearly caused by delays in XXXX system, they have refused to remove the late payment from my credit report, which is unfair and inaccurate. This negative mark has significantly impacted my ability to secure housing for my family. Furthermore, this is a business auto loan, and as such, it should not be reflected on my personal credit report, as I was never in default on this account. 



I request the CFPBs intervention to ensure that XXXX removes this unjust late payment from my credit report and correctly reports this business loan in accordance with applicable regulations. 



Thank you for your time and assistance in this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I pay off capital one for about XXXX month now and it still show on my XXXX report as not pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
In accordance with the fair credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 12 USC 1681. 


ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion has unlawfully reinserted previously deleted accounts onto my credit report without providing the required notification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). These accounts were previously removed as unverifiable, yet they have been added back without any notice, explanation, or supporting proof, violating my rights under the Fair Credit Reporting Act. Additionally, per 15 U.S.C. 1681i ( a ) ( 1 ), TransUnion is required to conduct a reasonable investigation within 30 days of a dispute, yet multiple dispute letters have gone unanswered without a valid response, violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ). Furthermore, neither XXXX nor XXXX has reinserted these accounts, confirming that TransUnion has failed to follow proper reinvestigation procedures. I demand the immediate and permanent removal of these accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with written confirmation of their deletion and assurance they will not be reinserted unless proper legal procedures are followed. Given the CFPBs ongoing lawsuit against XXXX for similar violations, TransUnion must take this matter seriously. Failure to comply will result in me seeking {$1000.00} per violation found on my consumer 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRAs permissible purposes. Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IN

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report as soon as possible. I did not initiate these accounts and have no information regarding their origins. Per USC 1681g, I am formally requesting their removal within 15 days. Enclosed are supporting documents for your review.

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