vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: LA

Complaint narrative:
Subject : Formal Complaint Regarding Unverified Late Payments XXXX XXXX XXXX  account ending XXXX! 

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate late payment reporting on my credit file by XXXX XXXX. I have disputed these late payments directly with both the credit bureaus and XXXX XXXX under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which requires furnishers of information to ensure accuracy and provide verification upon dispute. 

Despite my disputes, XXXX XXXX has failed to provide any proof or documentation substantiating these late payments. Under the FCRA, if a creditor can not verify the accuracy of reported information, it must be corrected or removed. Since no proof has been provided, I am requesting that these late payments be removed from my credit report immediately. 

I request that the CFPB investigate this matter and ensure compliance with federal law. I have attached copies of my dispute letters and any responses received. Please let me know the next steps regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: LA

Complaint narrative:
Subject : Formal Complaint Regarding Unverified Late Payments XXXX XXXX XXXX  account ending XXXX! 

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate late payment reporting on my credit file by XXXX XXXX. I have disputed these late payments directly with both the credit bureaus and XXXX XXXX under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which requires furnishers of information to ensure accuracy and provide verification upon dispute. 

Despite my disputes, XXXX XXXX has failed to provide any proof or documentation substantiating these late payments. Under the FCRA, if a creditor can not verify the accuracy of reported information, it must be corrected or removed. Since no proof has been provided, I am requesting that these late payments be removed from my credit report immediately. 

I request that the CFPB investigate this matter and ensure compliance with federal law. I have attached copies of my dispute letters and any responses received. Please let me know the next steps regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: OH

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX 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 2025-03-31 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:
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 2025-03-31 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Credit report shows an account from company that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
XXXX XXXX Subject : FCRA Violations Inaccurate Reporting of Charged-Off Account # XXXX Description of Complaint : I am filing this complaint against XXXX XXXX for continuing to report Account # XXXX as charged-off and derogatory after I submitted disputes. XXXX failed to conduct a reasonable reinvestigation as required under FCRA 1681i ( a ) ( 1 ) ( A ) and misrepresented the legal status of the debt in violation of FDCPA 1692e ( 2 ) ( A ). 

The account remains negatively reported without validation or correction, damaging my creditworthiness.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These companies are in violation of the FCRA 15USC1692 15USC1681 Section602 15USC 1681 Section604 15USC1666B 15USC1637b 15USC1681s-2 ( a ) ( 7 )

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 2025-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
To whom it may concern, my daughter took out a parent plus loan loan under me and we did not know the payments started. I did not receive/ see any of the emails stating the payments began and now I see that we are delinquent on our payments and I am defaulting on our loans. Neither my daughter or I can afford to pay the monthly payments at this time and we keep calling our private lender, Mohela, to discuss our options, such as filing for forbearance, Deferment, or at least lowering our monthly payments however we are not able to reach our lender. We have called at least thirty times and either the phone just hangs up or we get an automated message saying there is a five hour wait pool which is not feasible. Every day that passes is a big deal as I do not want my credit to be affected. I need Mohela to contact me so I can submit my income and hopefully get a lower monthly payment. It is not fair to us that I can not even reach my lender to discuss payment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

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 15 USC 1681. 

Account Name : XXXX/DOFED account # XXXX Account Name : XXXX/DOFED account # XXXX Account Name : XXXX/DOFED account # XXXX Account Name : XXXX/DOFED account # XXXX Account Name : XXXX/DOFED account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A 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, other than records of convictions 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn. Violation of the Family Educational and Privacy Act of 1974. When signed you stated you would not provide my information to anyone.

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 2025-03-31 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I deposited 2 checks ( {$7500.00} each, for a total of $ XXXX ) into my account on XX/XX/XXXX and the funds posted to my account however around beginning of XXXX I was told my account would be closed and the 2 checks would be returned to the maker and I would be able to pick up my funds and account would be closed. I was originally my funds will only be released once the check are returned to the maker but that wasnt the case, I was able to pick up my funds ( less the XXXX ) and the money is currently being held in suspense. I have called my bank manager, the fraud line, the supervisor who reached out to me to notify me the account will be closed and have got no where. The contact that reached out to me is XXXX XXXX, his number is XXXX ( XXXX ) XXXX and he refuses to give me information. He has blocked my number which is extremely rude as a customer to have this experience. I have asked numerous times to have my funds released and have gotten no reply besides go into the bank and speak to a manger to which I did and they tell me to call the 800 number, but when I do they tell me they cant access my account and I should go to a branch. 

M & t has been holding my funds of XXXX after closing my account and refuses to release it to me or send it back to the maker. I would like to get the funds back.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 2025-03-31 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: 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
Consumer complaint received 2025-03-31 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
I have been making payments since XX/XX/XXXX. XXXX has reversed all my payments and reported me for non payments and my credit dropped XXXX points. 
Some months I paid double, only to receive an email 2 days later saying my payment was not received. At first I assumed it was an issue with my bank, and I googled and found out other student loan borrowers payments was reversed. This has cause me and my family hardship and I would like to file a formal complaint against the Department of Education XXXX. 
Below is a list payments not processed or reversed XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX XXXX DELINQUENCY NOTICE Attention is needed regarding your account XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX XXXX DELINQUENCY NOTICE Attention is needed regarding your account XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX Monthly Statement New document ready to view! 
XX/XX/XXXX Monthly Statement New document ready to view! 
XX/XX/XXXX XXXX DELINQUENCY NOTICE Attention is needed regarding your account XX/XX/XXXX FFELP 3rd Delinquency Notice Payment reminder XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX It's time to renew your Income-Driven Repayment Plan! Your payment will increase soon! 
XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX FFELP 3rd Delinquency Notice Payment reminder XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX Important Tax Document : Form 1098-E IMPORTANT TAX RETURN DOCUMENT AVAILABLE XX/XX/XXXX Monthly Statement New document ready to view! 
XX/XX/XXXX FFELP 3rd Delinquency Notice Payment reminder XX/XX/XXXX Delinquency Notice Here are some options that may help you XX/XX/XXXX XXXX Delinquency Notice Payment reminder XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX Monthly Statement New document ready to view! 
XX/XX/XXXX XXXX Delinquency Notice Payment reminder XX/XX/XXXX FFELP 1st Delinquency Notice Payment reminder XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX Payment Not Processed New document ready to view! 
XX/XX/XXXX Payment Not Processed New document ready to view!

Company response to consumer: Untimely response
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the validity of the debt that Meridian Financial Services claims I owe related to timeshare with the XXXX XXXX XXXX. I assert that I have no outstanding debt related to the maintenance fee. 
According to the remittance statement sent by The XXXX in XX/XX/year>, it was clearly stated that a late payment fee of {$35.00} would be assessed if payment was made after XX/XX/XXXX. I mailed my payment, including the late fee, on XX/XX/year>. This payment was subsequently cashed on XX/XX/year>, which indicates that the balance was settled in full. 
However, two weeks later, I began receiving phone calls from Meridian Financial Services, claiming I owe an additional {$310.00}. Despite explaining that the debt was paid in full, including the late fee, Meridian insisted on the additional amount and threatened to report this as delinquent on my credit report. They also stated that I would not be permitted to use the timeshare property if I did not pay this additional {$310.00}. When I explained that this was a mistake, they said there was nothing they could do to rectify the situation and that I must pay this additional amount. On XX/XX/year>, I received a letter from Meridian stating that failure to pay this amount within 45 days would result in a negative report to the credit bureaus. Without waiting for a resolution, Meridian reported this amount to the credit bureaus on XX/XX/year>, which has unfairly impacted my credit score. 
I requested that Meridian Financial Services correct the erroneous report on my credit history immediately, but they have not. They refuse to acknowledge the debt was paid in full before any collection efforts occurred.

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 2025-03-31 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: AL

Complaint narrative:
CAPITOL ONE Claimed to have reported fraudulent inquiries on my credit report, XX/XX/XXXX for the dates of XX/XX/XXXX, and XX/XX/XXXX, to the credit reporting agencies, requesting that they be removed, however they are still current on my credit report. I am requesting they be removed immediately given the letter of consent from Capitol One to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
Removal of Inaccurate Charge-Off XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Charge-Off Reporting XXXXXXXX XXXX XXXX  Dear CFPB Representative , I am formally disputing the inaccurate reporting of a charged-off account by XXXXXXXX XXXX XXXX  on my credit report . The account was sold to XXXX XXXX XXXX, and the original creditor no longer holds the debt. Despite this, XXXX continues to report the charge-off, which violates the Fair Credit Reporting Act ( FCRA ) and misrepresents my creditworthiness. 
Basis for Dispute Double Reporting of a Debt ( FCRA Violation - 15 U.S.C. 1681s-2 ) XXXX charged off and sold the account to a third party, XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), once a debt is sold, the original creditor can not continue furnishing negative information that misleads creditors. 

XXXX should have updated the balance to {$0.00} and ceased reporting, but the charge-off remains active. 

Failure to Maintain Accurate and Complete Information ( FCRA - 15 U.S.C. 1681e ( b ) ) The charge-off notation suggests XXXX still owns the debt, which is false and misleading. 

Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) established that creditors must ensure the accuracy of their reporting. 

Unfair & Deceptive Practices Under the FDCPA - 15 U.S.C. 1692e Reporting a charge-off after selling the account to a debt buyer creates confusion and damages credit scores unfairly. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ), this practice can be deemed misleading.

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