vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
( Original Creditor : XXXX XXXX ) XXXX * * * * Balance : {$1000.00} XXXX FINANC XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX CO XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
( Original Creditor : XXXX XXXX ) XXXX * * * * Balance : {$1000.00} XXXX FINANC XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX CO 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 explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Complaint ID XXXX Experian submitted on XX/XX/year>. Today is XX/XX/year> nothing has been done its more than XXXX  days XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number : XXXXXXXX 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 2025-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: VA

Complaint narrative:
MOHELA needs to be deleted immediately and all other companies on the debt ratio XXXX XXXX itself. All inaccurate information caused me punitive damages, career loss and more. My credit report has never been accurate and many dispute letters have been sent but no deletions have been made. They 7 days to fix my credit or I will pursue legal action on all credit agency and the bureau itself. All derogative and negative payments need to be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Dispute of Debt Collection by LVNV Funding LLC To Whom It May Concern, I am writing to formally dispute a collection account that I recently noticed on my credit report from a debt collection agency known as LVNV Funding LLC. I am requesting that this collection item be thoroughly investigated, as I dispute owing any and all debts to LVNV Funding LLC.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my rights to request full debt validation, including, but not limited to : A complete and itemized statement of the alleged debt ; The original creditor 's name, account number, and all documentation related to the origin of the alleged debt ; A copy of the purchase or assignment agreement between the original creditor and LVNV Funding LLC proving they have legal standing to collect this alleged debt ; Proof that LVNV Funding LLC is licensed and bonded to collect debts in my state of residence.

Furthermore, I am revoking all permissions for LVNV Funding LLC to contact me via phone calls, emails, text messages, or any other electronic means. Any further communication must be done only by mail, and in accordance with all federal and state debt collection laws.

Until the above-requested documentation is furnished, I request that this alleged debt be marked as disputed on my credit reports with all consumer reporting agencies. I also request that the CFPB monitor and ensure LVNV Funding LLCs compliance with all applicable laws in this matter.

Please confirm receipt of this letter and inform me of any actions taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Ive asked Marcus by Goldman Sachs for over a week to close my account and transfer my money to another account. They will not close my account nor transfer my money. They are holding it at this point. 

They keep telling me I need to transfer it to a specific account. Each time, a person tells me a different account that it needs to get transferred to I confirm and comply with whatever account they want to send it to and the next day, they still have not done it. They make an excuse by why the transfer didnt happen and why the account wasnt closed. They continue to do this over and over and transfer me back to the same people over and over. They say this is the only process to get this done over the phone and that there is no other team I can speak to for resolution over the phone. They have held this money for an almost a month now citing different reasons including consistent deposits ( yes deposits not withdrawal ) made into the account all year. 

They will no send me an email or mail confirmations that this account closure was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Back in XX/XX/XXXX, XX/XX/XXXX and early XX/XX/XXXX I requested XXXX XXXX accounts be removed from my credit file. 

The first account balance is XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAME XXXX  ACCOUNT TYPE XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX CREDIT LIMIT {$13000.00} Highest Balance {$2500.00} Then the other is XXXX XXXX Account Number XXXX Account Type XXXX  Card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$130.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$4700.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment {$87.00} XXXX XXXX {$13000.00} Highest Balance {$4700.00} I am writing to formally dispute the reappearance of the XXXX XXXX account on my credit report. This account was previously investigated and removed as a result of my identity theft report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA XXXX ( a ) ( XXXX ) ( B ), which states that if a disputed item is removed from a consumers credit report, the furnisher or creditor can not reinsert the information without providing certification of accuracy to the credit bureau. 

I have not received any proof of certification or valid documentation from the creditor that would justify the reinsertion of this account. The only documents I have received from your office were screenshots of account information this does not meet the burden of proof. Account summaries or payment histories are not sufficient validation. I am demanding copies of the original signed application and any signatures allegedly linked to me as proof of ownership of this account.

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 2025-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hirshberg Acceptance Corporation
State: MI

Complaint narrative:
I contacted them in XX/XX/year> to get information about this debt. They were rude and did not provide any information. I then received a letter about a garnishment from court. I received no notice for me to dispute it. A letter was taken to court house for a hearing with the necessary forms. I went to court on last week on XX/XX/XXXX in which they still did not provide any information regarding the debt. This is the third attempt for me to get information regarding this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was added as an authorized user on a Wells Fargo credit card account ending in XXXX by the primary cardholder, XXXX XXXX. The account is in good standing, but it is not appearing on my credit reports from XXXX XXXX XXXX XXXX 

I contacted Wells Fargo and confirmed that I am listed as an authorized user on the account. However, the account is still missing from all three credit bureaus. This negatively affects my credit profile, including my credit utilization and length of credit history.

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I have the right to dispute incomplete or inaccurate information and request an investigation. Credit reporting agencies are also required under 15 U.S. Code 1681e ( b ) to follow reasonable procedures to ensure maximum possible accuracy in reporting. 

I am requesting an investigation and for the account to be properly reported under my name as an authorized user. 

I have attached documentation confirming my authorized user status.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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 2025-06-09 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: PA

Complaint narrative:
My identity was stolen and used to open fraudulent accounts thats reporting to Experian, TransUnion and Equifax. XXXX XXXX XXXX XXXX XXXX  opened XX/XX/year>. Also XXXX XXXX XXXX closed accounts reporting to TransUnion. With a collection accountant XXXX and XXXX reporting to TransUnion.

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 2025-06-09 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: PA

Complaint narrative:
My identity was stolen and used to open fraudulent accounts thats reporting to Experian, TransUnion and Equifax. XXXX XXXX XXXX XXXX XXXX  opened XX/XX/year>. Also XXXX XXXX XXXX closed accounts reporting to TransUnion. With a collection accountant XXXX and XXXX reporting to TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. 

This conduct is in direct violation of federal law and my consumer rights. The following accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the account in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

These accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2025-06-09 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: 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 explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I issued a check for {$51000.00} from XXXX XXXX XXXX XXXX to fully pay off my Capital One Auto Finance loan. The check was mailed via USPS Priority Mail and delivered to Capital Ones XXXX XXXX, CA overnight payoff address on XX/XX/XXXXXXXX  ( USPS Tracking # : XXXX ). Despite delivery confirmation, Capital One has failed to post the payoff or close my account. 

I contacted Capital One repeatedly between XX/XX/XXXX and XX/XX/XXXX, including calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In these calls, I disclosed the checks existence, tracking number, overnight delivery details, and intent to satisfy the entire loan. I was told by multiple representatives that the check would be applied by XX/XX/XXXX. Instead, I continued to receive collection calls and, on XX/XX/XXXX, was offered a {$40.00} credit by an escalation manager, which acknowledged the issue but did not resolve it. 

I also explicitly requested a communication accommodation under the Americans with Disabilities Act ( ADA ), asking Capital One to cease all phone calls and communicate in writing ( via email or mail ). This XXXX request was ignored, and verbal contact persisted. 

Capital One has now had the funds in their possession since XX/XX/XXXX, and their failure to apply the payment constitutes a breach of contract, negligent loan servicing, and a possible violation of federal regulations including the Fair Credit Billing Act ( FCBA ), Truth in Lending Act ( TILA ), XXXX  Title III, and the Telephone Consumer Protection Act ( TCPA ). The company continues to list a past-due balance and has not confirmed account closure or provided any resolution in writing. 

I have full documentation, including the check image, delivery tracking, and transcribed phone conversations. Despite fulfilling my legal obligations and repeatedly attempting to resolve the issue, Capital One has failed to apply my payment or respect my communication rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I was mandated to make automatic payments. According to them my XXXX did not clear so they waited until XXXX and took it now that covered XXXX. But after that they went each month and took a payment and made me late each month instead of just taking XXXX and XXXX at the same time no phone call no communication just late payments shown on my credit report. If you look at my Freedom Mortgage XXXX from XXXX until now the only late payments will be from that XX/XX/XXXX payment making me XXXX payments late. Their reasoning is they could not go into my account twice, if thats the case then let me pay my own mortgage. Its not fair you treat your loyal customers that way I'm penalized because you didn't withdraw. I sent all my bank statements to them showing my money coming out every month.

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