vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I paid off my XXXX XXXX XXXX on XX/XX/XXXX and still have not received my XXXX. 

I called Chrysler Capital to advise them, and they told me they sent it, which they did NOT. 

Chrysler Capital sent me : 1. A Paid if Full Letter 2. A {$97.00} refund check for Overpayment 3. A Copy of the Sales Contract ***Today is XXXX XXXX, XXXX and Chrysler Capital XXXX has not sent me my TITLE!!! 

I called again and they told me to wait another week, I no longer trust them. 

I paid over {$66000.00} in full, never once late or missed any payments ; I need my XXXX, and Chrysler Capital is not helping me. 

I had to file a complaint at this point!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} PENNYMAC - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$8200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$28000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00}

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 2025-04-11 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: TX

Complaint narrative:
In XXXX a certified letter was sent to Equifax containing a letter, copy of XXXX and a bill showing address. Equifax sent a letter back stating they are unable to locate a credit file and to provide documents. Documents were provided as stated above. This is a stall tactic, they were provided by certified mail, signed for and received. They now have XXXX  days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MOHELA
State: OH

Complaint narrative:
A few months ago I received a credit alert. My score dropped XXXX points as a result of a missed payment filed to the agency by Mohela. As of XX/XX/XXXX my loan is serviced by Mohela. Prior to Mohela XXXX was my servicer. In XX/XX/XXXX my account was drafted by XXXX, on the same date my account was drafted for the same amount by Mohela. Mohela is saying that payment every payment I have made since then is past due. My account is being drafted every week by Mohela. When I look at my account summery is shows the payments being auto drafted but when I look at my history no payments are showing up. The last email I received was that my loans are close to being in default. I spent over XXXX hours on hold XXXX day, over an hour another day, I called when they recommend and the wait was supposed to be an hour but I was on hold for over an hour that day without reaching anyone. On a XXXX occasion I was given the option for a call back but never received XXXX. I have emailed and submitted inquiries on their website all with no response. In addition to this all also have a question about payments made to XXXX. XXXX XXXX XXXX. These payments were being made in addition to Navient Payments and stopped the same time XXXX payments stopped. Looking at my account on studentaid.gov I Don't see any other loans except the XXXX with Mohela. I filed a complaint with XXXX on XX/XX/XXXX. To day, XXXX  days, I have not received a response. I have submitted all the supporting bank statements, payment history and screen shots from the servicer supporting what is happening. I filed disputes with the XXXX credit bureau and they have removed the late payments because Mohela did not respond. I received an email from XXXX that my loan is going to default soon. I made more attempts today XX/XX/XXXX to Mohela and XXXX. Mohela will not answer and student aid suggested Ombudsman group but when I call the number goes to studentaid.gov.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: GA

Complaint narrative:
I'm writing to file a complaint against Jefferson Capital for a collection of XXXX furniture which is a payment I do not owe. I made my last payment in the store and I've never received a past billing call that I still owed anything. 

I filed a dispute with a XXXX  thinking that was where I was supposed to file first. I asked them to take this charge off of my credit reports since XXXX went bankrupt. Per CFPB rules and regulations when a company goes bankrupt they can not continue to try and collect from anyone. 

I don't legitimately owe this debt. I'm asking for it to be taken off of my XXXX credit bureau report. I don't know how they made this mistake but being only on my XXXX report not my XXXX or my XXXX then this is not a legitimate collection in the first place. 

Please remove it immediately. I give the CFPB permission to request information directly from whoever handled the bankruptcy with XXXX so you can get all my records from that end because during XXXX XXXX I lost everything. Everything, my car, my house all of my records, documents, everything! This is why I give permission to get this information from the other party. Thank you so much. 

DETAILS OF XXXX 'S BAD BUSINESS PRACTICES WITH MANY OTHER ARTICLES JUST LIKE THIS ON LINE .... 

XXXX XXXX XXXX & More faced accusations of bad business practices, particularly regarding customer service and debt validation. Some customers reported difficulty receiving refunds or disputes being resolved, while others cited instances where the company refused to validate debts despite requests. Additionally, XXXX 's parent company XXXX 's, faced financial difficulties that ultimately led to the bankruptcy and closing of all XXXX stores. 

Here 's a more detailed look at some of the issues : Customer Service and Refund Issues : Some customer reviews on the Better Business Bureau website and other platforms indicate that customers struggled to get refunds, and felt that the customer service process was outsourced to unreliable sources. 

XXXX XXXX : Some complaints cited that XXXX refused to provide proper validation of debts, despite requests from customers. 

Bankruptcy and XXXX Closures : XXXX 's, the parent company of XXXX, filed for bankruptcy in 2024, leading to the closure of all XXXX stores. This was attributed to high overhead costs, massive debt, and shifts in the retail industry. 

Dealers ' Revolt : In the past, XXXX faced lawsuits and a revolt from its own store owners, indicating potential issues with the company 's business practices, according to reports from the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
1. XX/XX/XXXX, I initiated XXXX transactions simultaneously for the same amount each ( {$3900.00} ) from my U.S. bank to my foreign bank.

2. Funds were extracted within hours from my U.S. bank ( {$11000.00} ). A notification was sent to my email with the arrival date. XXXX date was for XXXX XXXX, the other XXXX for XXXX XXXX. 
3. I called to dispute the delivery, as all three are the same. Customer service representative " use a book '' protocol to justify all of their actions ( excuses that they are told to tell the customer. They blame the bank, the processing time, etc., and all of this is NOT TRUE! ). There is NO qualified " help '' to resolve the problem. Just " taught lies ''. 
4. These are the XXXX transaction numbers given by Western Union : XXXX XXXX ( delivered on XXXX XXXX ) XXXX XXXX ( to be delivered XXXX XXXX ) MTCN XXXX ( to be delivered XXXX XXXX ) Note : It is VERY obvious that they are " manipulating '' the funds to their " benefit ''. Extending XXXX more days, for which they make an additional profit ( interest ) illegaly. 
I already pay a fee for the service. This is " double dipping '' and they use all kinds of excuses. When they want ( and they have in the past ) to move the money quickly ( which they have done as a " reward '' in the past, in less than XXXX hours ), they do it. This proves " manipulation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NJ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-11 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-11 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: NV

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Meta Payments Inc.
State: NC

Complaint narrative:
I sold XXXX items on XXXX XXXX for a total of {$350.00} after fees. Order # XXXX was delivered XX/XX/XXXX. Order # XXXX was delivered XX/XX/XXXX. XXXX XXXX 's policy states that sellers will be paid 15 days after an order is marked as " XXXX '' XXXX 5 days after delivery confirmation is received. Both of these orders were marked as shipped on XX/XX/XXXX and delivery confirmation was received on XX/XX/XXXX and XX/XX/XXXX respectively. I have not been paid, and I have contacted XXXX 's support, who claims to be investigating my issue and then does not respond to any further inquiries or send any further updates. Their support is XXXX, they do not have actual people looking into this issue that me and hundreds of others have been encountering as far back as XXXX, XXXX. I am reaching out to you, the FTC and the Attorney General 's office in hopes of at least getting a response from XXXX regarding this, and at best getting paid what I am owed. They will not respond to me, or the better business bureau, or any other sellers having the same problem. People are owed thousands, maybe even millions of dollars and XXXXMeta is refusing to pay anybody or even comment on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX reported a XXXX late when it ( XXXX ) changed its system and thus lost the account information that had always been used to make monthly payments, and ( XXXX ) when a payment was made WITHIN the XXXX window, it took the total balance on the loan of {$14000.00} versus the installment amount. This incorrect payment appears to have been posted on XX/XX/XXXX. That payment had to be reversed, and XXXX received the correct installment amount, but 30 days had passed by the time this mess was rectified. Meanwhile, as a cosigner, I had no idea of what is going on because I did not receive any written or verbal notifications of any issues. 

Meanwhile, my husband spoke with XXXX different representatives- XXXX over the phone, XXXX in person- who both acknowledged the system issues that kicked the payment account out and XXXX 's mistake in taking the entire balance as the XXXX date loomed. 

I made XXXX attempts to contact XXXX via phone to get more information. I had no issues with my cellular device during a call to a person I made immediately prior to calling XXXX or the call I made to a person after. Yet, every time a XXXX representative answered the line, they claimed to be unable to hear me and disconnected the call ... after I had been on hold for over XXXX minutes each time. 

This sounds extremely unfair to a consumer. XXXX automatically reported a XXXX late when its system issues initially removed the payment account that had been registered for automated payments for years from its system, and when the account was re-aded, XXXX took XXXX more than the monthly installment. Yet, the correct payment was eventually processed. XXXX refuses to inform Transunion that it caused this entire ordeal. It was inaccurate to report that the payment was over 30 days late when a payment was taken where XXXX made the mistake that had to be reversed. To add insult to injury, Transunion keeps denying my dispute- the derogatory remark is, in fact, incorrect. What is interesting is XXXX has recently reported the account is current.

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 2025-04-11 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: WV

Complaint narrative:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting practices by DPT ED/XXXX, located at XXXX XXXX XXXX, XXXX, TX XXXX XXXX My credit report shows several discrepancies that are damaging my credit score, and I respectfully request that this account be deleted due to the following inaccuracies : 1. Erroneous Payment History Reporting : The account is reported with a 120-day late payment for nine consecutive months. This late payment history is incorrect and does not reflect my actual payment behavior. 
XXXX. Inconsistent Account Dates : The date opened and last activity dates for this account vary across the three credit reporting bureaus ( XXXX, XXXX, and TransUnion ), creating further inaccuracies and confusion regarding the accounts status. 
XXXX. Account Status Inconsistency : Although the account is now closed due to the loan being transferred, the reporting of past due late payment history continues. This outdated and erroneous information is unfairly hindering my 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 non-monetary relief
Consumer complaint received 2025-04-11 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: MD

Complaint narrative:
My personal data has been compromised due to the data breaches involving all three major credit reporting agencies : TransUnion, Experian and Equifax.

As result of this breach, my sensitive information has been exposed without my consent. directly violating my right under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). I am now experiencing adverse effects on my credit report.

Please treat this notice with Urgency Thank you.

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 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clear Recovery, Inc.
State: OR

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Clear Recovery, a debt collection agency, regarding their attempts to collect a debt that has been legally resolved through a credit card chargeback. 

Details : Creditor : XXXX XXXX XXXX : {$79.00} Chargeback Resolution Date : XX/XX/year> Collection Agency : Clear Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX Background : On XX/XX/year>, my credit card issuer ruled in my favor concerning a disputed charge from XXXX XXXX, reversing the charge after a thorough investigation. I notified XXXX XXXX of this resolution, and they confirmed by phone that they would close the matter.

Despite this, Clear Recovery has contacted me, attempting to collect the same debt. They claim that because I still possess the item in question, the debt remains valid. However, I have made multiple attempts to return the item, but XXXX XXXX refused to provide a return label or any means to do so. 

Legal Concerns : FDCPA Violation : Attempting to collect a debt that has been resolved through a chargeback may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ).

FCRA Violation : If Clear Recovery reports this disputed debt to credit bureaus, it could violate the Fair Credit Reporting Act ( FCRA ) by furnishing knowingly inaccurate information.

I request that your office investigate this matter and take appropriate action to ensure that Clear Recovery ceases all collection activities related to this resolved debt. 

Thank you for your attention to 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 explanation