vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
On XX/XX/XXXX I received an email that there had been a change to my credit score. It dropped XXXX points. Which was baffling. It was then shown to me XXXX loans from Mohela. I have XXXX small loans with Mohela. It seems almost like a duplicate error. But the other issue is that Mohela changed websites and owners recently. When they did they made it impossible to log into either site. It would say I didnt have an account. That the user didnt exist. Ive been with them for years so I was so lost. You can not get Mohela on the phone to save your life. As I type this I am on my 3rd hour on hold waiting for a human to answer. They close in one hour. So I am losing hope. Nor do I have time with my job to be on hold daily waiting for some way to communicate with this lender. By not being able to log in for months, or get them on the phone I could not pay. Someone finally posted to a XXXX forum that they were able to get into their account on Mohelas new website by hitting create new account. After all those weeks I was able to finally get into my own account. I used the exact same log in and password to create a new account and the system must have recognized me. So I went to make my payment. I saw there was a {$500.00} past due and I could only afford to do my normal payment. Theres no way to let them know unless you get them on the phone. I intended to add extra next payment each time to make up for the past due balance. One week after I finally made that payment is when my credit score plummeted. And to have them report double the loans was gut wrenching. In tears all day. They dont even have a chat bot on their website to get more assistance. They are short staffed and most of their staff is brand new. So if you do make it through they will just keep transferring you til youre on hold for almost 7 hours. Thats insane to me. Like they are doing it on purpose. It feels wrong on every level. To be taken advantage of with the biggest bill of my life. With no way to fix it on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: WI

Complaint narrative:
Re : Debt Validation Request Pursuant to the FDCPA | Account # XXXX To Whom It May Concern, This letter is being sent in response to a collection notice I received from your agency. I am requesting the validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Be advised, this is a request for validation, not a refusal to pay. 
In accordance with the FDCPA and relevant case law, including XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX, I am requesting that you provide competent evidence that I have a legal obligation to pay you. The XXXX case emphasizes the need for debt collectors to provide meaningful and concrete proof when attempting to collect a debt. 
Please provide the following : XXXX. Proof of the original debt including the name of the original creditor, the full account number, and a detailed statement showing all charges and payments. 
XXXX. A full and complete chain of title, including documentation that proves your legal right to collect on this debt ( i.e., the assignment or purchase agreement that gives XXXX XXXX XXXX the authority to collect on behalf of the original creditor ). 
XXXX. A copy of the signed contract or agreement where I allegedly agreed to assume this debt. 
XXXX. The name and address of the original creditor. 
5. Verification that the statute of limitations on this debt has not expired. 
XXXX. Your license number and the name of the state where you are licensed to collect debts. 
In addition, you are hereby notified to cease and desist from any and all further contact with me regarding this matter, except to provide the validation requested, or to notify me of any specific legal action you intend to take. You may not contact me by phone, mail, email, or any other form of communication except to comply with this request. 
Any failure to fully validate this debt, or continued collection efforts without validation, will be considered a violation of the FDCPA and my consumer rights, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and the Federal Trade Commission ( FTC ). 
I expect a response within 30 days of your receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: WI

Complaint narrative:
Re : Debt Validation Request Pursuant to the FDCPA | Account # XXXX To Whom It May Concern, This letter is being sent in response to a collection notice I received from your agency. I am requesting the validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Be advised, this is a request for validation, not a refusal to pay. 
In accordance with the FDCPA and relevant case law, including XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX, I am requesting that you provide competent evidence that I have a legal obligation to pay you. The XXXX case emphasizes the need for debt collectors to provide meaningful and concrete proof when attempting to collect a debt. 
Please provide the following : XXXX. Proof of the original debt including the name of the original creditor, the full account number, and a detailed statement showing all charges and payments. 
XXXX. A full and complete chain of title, including documentation that proves your legal right to collect on this debt ( i.e., the assignment or purchase agreement that gives XXXX XXXX XXXX the authority to collect on behalf of the original creditor ). 
XXXX. A copy of the signed contract or agreement where I allegedly agreed to assume this debt. 
XXXX. The name and address of the original creditor. 
5. Verification that the statute of limitations on this debt has not expired. 
XXXX. Your license number and the name of the state where you are licensed to collect debts. 
In addition, you are hereby notified to cease and desist from any and all further contact with me regarding this matter, except to provide the validation requested, or to notify me of any specific legal action you intend to take. You may not contact me by phone, mail, email, or any other form of communication except to comply with this request. 
Any failure to fully validate this debt, or continued collection efforts without validation, will be considered a violation of the FDCPA and my consumer rights, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and the Federal Trade Commission ( FTC ). 
I expect a response within 30 days of your receipt of this letter.

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 2025-04-15 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: Source Receivables Management LLC
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a fraudulent collection account ( Source ReceivablesManagement ) that has appeared on my credit report. This debt does not belong to me, and I had taken steps to dispute it directly with a previous debt collection agency in which sold it to this collector knowing it had a police report. 

Despite informing the agency of the fraud report, I was treated dismissively and was even hung up on multiple times when trying to resolve the issue. Instead of investigating, the agency have sent bills for collection and XXXX reporting. Continuing to perpetuate the damage to my credit and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I was surprised to find incorrect accounts on my credit report this morning without any clear explanation. I check my report frequently, and this is the first time I've seen such discrepancies. Hoping it was a simple glitch, I refreshed the browser, but the errors persisted. Given this situation, Im requesting a thorough review of the documents Ive submitted to prevent further concerns.

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 2025-04-15 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: MS

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 explanation
Consumer complaint received 2025-04-15 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX claimed I signed a timeshare contract for {$49000.00}. However, I never received a copy of this contract via XXXX, email, or printed format. I began requesting the contract in writing on XX/XX/year>, and repeated my requests multiple times, with no response. 

Because I never received the contract, I was denied the opportunity to review or cancel during the statutory cancellation window. I formally submitted cancellation requests beginning XX/XX/year>, which were ignored. 

In XX/XX/year>, XXXX refunded the charges in my favor after I disputed the payment. Despite this, XXXX reported the debt to Equifax, dropping my credit score by over XXXX points. Equifax has since verified the charge without providing proof of a valid, delivered contract. 

I am requesting that this account be flagged as in dispute and that the inaccurate debt be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: DC

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 2025-04-15 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-04-15 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the following medical collection accounts being reported on my XXXX  credit file : Account Numbers : XXXX, XXXX, XXXX, XXXX These accounts are being reported in violation of the FCRA and FDCPA. The reporting furnisher failed to provide proper notice or validation, and no documentation, itemized billing, or HIPAA-compliant authorization has been provided to confirm these debts.

Furthermore, the failure to list the original creditor prevents me from verifying the alleged debts, violating 15 U.S.C. 1692g ( a ) ( 2 ). Under the FCRA, you are required to ensure maximum possible accuracy of all reported information ( 15 U.S.C. 1681e ( b ) ) which has not been met. 

Additionally, the reporting of these alleged medical debts violates the updated CFPB guidelines effective XX/XX/year>2025, which further restrict the reporting of certain medical collections. 

These accounts remain unverified, inaccurate, and incomplete. As such, I am demanding the immediate deletion of all XXXX accounts from my Transunion and Equifax credit reports as XXXX has already deleted this information.

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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX, my checking account was suddenly closed while it held a balance of {$12000.00}. I was told the funds would be mailed to me by check. Since then, I have called countless times, and most of the time I am either hung up on or transferred endlessly with no real answers. They keep saying youll get an update in a few days or were working on it, but years have passed, and Ive received neither the money nor a clear explanation. 

Ive even gone in person to the bank several times and was treated with total disrespectstaff have mocked me, ignored me, or just told me to wait. Ive done everything possible : I updated my address, called the number they gave me ( XXXX, Option 2, Option 5 ), asked for documents, estimated datesbut I get nothing. 

I was promised a follow-up on XX/XX/XXXX or XXXX of this year ( XXXX ), and once again, no one contacted me. This is not just a delayits a complete lack of responsibility and basic human decency. Its now been over a year and a half without my money, and this has seriously affected my finances and my personal life. I am emotionally exhausted and financially paralyzed. I am begging for your help to recover what is rightfully mine and to hold this bank accountable.

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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced collection account ( s ) in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g and 15 U.S.C. 1692c ( c ).

1. Request for Validation under 15 U.S.C. 1692g ( b ) : I hereby request that you provide proper validation of the alleged debt ( s ), including but not limited to : The name and address of the original creditor The amount of the alleged debt, including itemization of fees or interest A copy of any judgment ( if applicable ) Documentation bearing my signature or showing I am legally responsible for the alleged debt Until you provide this information, you are required by law to cease all collection activities, including reporting the debt to any credit reporting agencies.

2. Cease Communication Notice under 15 U.S.C. 1692c ( c ) : Pursuant to my rights under 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me regarding this matter. If the alleged debt is valid, your only permissible response should be to provide the required validation or notify me of specific legal action.

Be advised that failure to comply with these requests will constitute a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or result in civil action. 
This letter is not an acknowledgment of any debt, nor an acceptance of liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX. 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 explanation
Consumer complaint received 2025-04-16 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 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 non-monetary relief
Consumer complaint received 2025-04-15 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-04-15 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: CA

Complaint narrative:
I am writing to formally report that I am a victim of identity theft involving multiple fraudulent activities carried out without my knowledge or authorization. On or around XX/XX/2024, an unknown individual used my personal information to : 1.Fraudulently open a credit line with XXXX XXXX XXXX XXXX XXXX XXXX 2.Open an account with the XXXX XXXX XXXX XXXX 3.Attempt to apply for a car loan through XXXX, resulting in an unauthorized inquiry on my credit report 4.Use an address that does not belong to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not initiate or authorize any of these actions, and I have no affiliation or connection to the above address. These activities were conducted entirely without my consent and constitute clear instances of identity theft. 
I am actively working to dispute these fraudulent accounts and inquiries with the relevant institutions and credit bureaus. I am also taking steps to protect my identity and monitor my credit to prevent further misuse of my personal information. 
I respectfully request a thorough investigation into each of these fraudulent actions. If any additional information or documentation is needed from my side, I am prepared to provide it.

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