vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : XXXX. Invalid and Unverified Debt ( FDCPA Violations ) Under XXXX XXXXXXXX XXXX  XXXX, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

XXXX. Incorrect Late Payment Remarks ( FCRA Violations ) Under XXXX XXXX XXXX  XXXX ( a ) ( XXXX ) and XXXX XXXXXXXX XXXX XXXXXXXX, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Johnson Mark LLC
State: UT

Complaint narrative:
On XX/XX/XXXX, a woman illegally served papers to my XXXX about an intent to sue. When I called Johnson Mark to let them know and to tell them I wanted the debt verified, they failed to verify that debt within XXXX days. They stated they would call back ; I have it recorded from XX/XX/XXXX. They never called back, and then I received a judgment against me without so much as a notice and no opportunity to represent myself in a court of law. 

The issues stem from the following incidents : XXXX. Improper Service of Notice on a XXXX : Johnson Mark LLC served a notice of intent to sue on my XXXX child. This is highly inappropriate, as a minor can not legally be held responsible for debts or be served legal documents in this manner. This action demonstrates a reckless disregard for proper legal procedure and appears designed to intimidate rather than follow due process. 

XXXX. Failure to Validate Debt Within XXXX Days : After receiving communication from Johnson Mark LLC regarding an alleged debt, I requested validation of the debts accuracy. The firm failed to provide any confirmation or documentation within XXXX days, as required under federal law ( FDCPA, XXXX XXXX. XXXX ). This refusal to verify the debts legitimacy raises serious concerns about the validity of their claims and their compliance with consumer protection standards. 

XXXX. Filing a Lawsuit Without Notice or Opportunity to Respond : Johnson Mark LLC proceeded to file a lawsuit against me without providing prior notice of intent to sue or an opportunity to respond or resolve the matter outside of court. This lack of communication denied me due process and appears to be an attempt to exploit the legal system for unjust financial gain, potentially constituting an abuse of process. 
These actions have caused significant distress to my family, including my minor child, and I am concerned that Johnson Mark LLC may be engaging in predatory or unlawful practices targeting vulnerable Utah residents. I request that your office investigate the firms conduct, including their compliance with state and federal debt collection laws, proper service of legal documents, and ethical standards for initiating lawsuits.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian credit report contains serious reporting errors that should have never been included. This level of negligence is unacceptable and raises major concerns about the reliability of your verification process. These inaccuracies are actively damaging my credit profile, and I will not allow them to go unchallenged. 

The following disputed accounts need immediate correction : Personal Information - Experian Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XX/XX/year> As a consumer, I am legally entitled to a credit report free from false or unverifiable information. The FCRA mandates that all reported data must be XXXX XXXX accurate and provable. If these errors can not be supported by concrete documentation, they must be removed immediately. I demand a thorough reinvestigation and immediate resolutiondelays will not be tolerated.

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 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/year> friend transferred {$3500.00} to my XXXX XX/XX/year> I attempted to transfer to my on file bank account with Venmo XX/XX/year> received a message that transaction didn't go thru and was canceled XX/XX/year> I sent {$25.00} to another friend XXXX XXXX to see if that worked with my account. It did. I then asked her to send me the {$25.00} back so that the original {$3500.00} would be my balance. She texted me and said she received a message from Venmo to contact her friend ( me ) because transaction could not be processed. 
XX/XX/year> I then received an email stating my account is suspended and additional personal information was requited to proof if ID. I followed the instructions and downloaded a photo of my Drivers License and then changed my password. After that was complete, I could no longer log into the account nor would my XXXX  XXXX even load. 
XX/XX/year> I tried every avenue they offered in contacting them to get answers and to get it resolved with either no response or automated responses that just kept me going circles in a loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-20 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: EQUIFAX, INC.
State: CT

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.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NV

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 XXXX 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 2025-03-20 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
To Whom It May Concern, I am following up regarding my complaint against Credit Acceptance Corporation ( Complaint ID : XXXX ). 

XXXX XXXX has contacted me directly since my initial complaint, but they have failed to provide a clear resolution or correct the inaccurate reporting on my credit reports. As of today, they continue to report the account inaccurately across all three major credit bureaus : XXXX, XXXX, and XXXX. 

Summary of the Ongoing Issues : XXXX. Failure to Charge Off the Account My auto loan account with XXXX XXXX has been delinquent since XX/XX/year>, with no payments made in over XXXX years. 
Despite the length of delinquency, they refuse to charge off the account, which conflicts with standard industry guidelines that require installment loans to be charged off after XXXX to XXXX  days of non-payment, according to FDIC and XXXX regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Go Capital Holdings, LLC
State: IL

Complaint narrative:
IN XX/XX/year> My car was stolen and totaled by the person who took it from my home. I only had the state minimum coverage and i as not able to get a replacement car due to the theft that was listed I was at fault and I have police reports stating the car was stolen and damaged beyond repair. I contacted them and told them I could not pay the rest of the balance off because that was my only way to work and i had to rent a car from there. The vehicle was charged off and it should be cleared from my all my credit profile as it is holding me back from obtaining housing or another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
My XXXX XXXX XXXX carrieXXXX was Mohela. In XXXX of 2024 I refinanced my loan and the balance was paid off through Mohela. There was an overpayment of {$2700.00} that should have been refunded to me within 90 days. It has now been 5+ months and there has been no refund issued. I have made numerous attempts to resolve this matter by calling their customer service line but I have been met with 4 hour hold times, disconnections, and an overall lack of responsiveness. I have also sent them letters. Despite these efforts, no one has been available to address my concerns or provide meaningful updates on the status of my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have 2 CDs for my children at TD Bank. This is the 2nd time rolling them over and I had no problem starting the CDs or rolling over the first time. This time when rolling over I signed to an APY of 4.00 % on XX/XX/XXXX. After the cd was opened I saw online it reflected an APY of 1 %. I went to the bank 2 separate times and they said they have reached out to interest department to have this fixed and not to worry I would have the interested back dated. During this time I also reached out to TD Bank online but they said they need to talk to bank that issued. On XX/XX/XXXX they message me online saying they will not honor the promotional rate I was given since they are XXXX accounts ( children are XXXX XXXX XXXX ) and if I close early I may have to pay a penalty. This makes little sense since this is the 2nd rollover and I have always got a promotional rate. I was able to get the XXXXanager at the bank to wave penalty charges. I would have thought the rate on the deposit certificate was the rate and if I had never checked online I would have gotten the lower rate of the course on 9 months without having a way to argue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-20 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an ongoing issue with Equifax, one of the major credit reporting agencies. Despite multiple attempts to resolve the matter directly with Equifax my concerns have not been adequately addressed, and I have experienced significant financial distress as a result.

Details of the Issue : 1. Negative Items and Collections on My Credit Report : Over the course of several months, I have contacted equifax multiple times regarding negative items and collections that appear on my credit report. I have disputed these entries, but no action has been taken to resolve the issue or remove any inaccurate or outdated entries.

2. Unexpected Drop in Credit Score : My credit score has dropped by more than XXXX points without any clear reason or explanation. I have been actively monitoring my credit, maintaining responsible financial habits, and have not been notified of any events that would justify such a drastic decrease in my score. 



Despite my repeated attempts to resolve this matter directly with Equifax through phone calls, online disputes, and written correspondence, no meaningful action has been taken to address my concerns or rectify these errors. I have requested a thorough review of my credit report and an explanation for the unexpected score drop, but I have not received a satisfactory response.

What I am Seeking : 1. A complete review of my credit report to correct any inaccurate, outdated, or improperly reported negative items and collections.

2. A detailed explanation of the reason behind the drastic drop in my credit score.

3. A prompt resolution to these issues and the removal of incorrect or unfairly reported information.

I am seeking your assistance in resolving these matters, as I am unable to make progress in addressing these issues directly with Equifax Thank you for your attention to this serious matter. I trust the Consumer Financial Protection Bureau can assist in ensuring that my credit report is accurate and my credit score reflects the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NV

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Late Payment ( Equifax ) XXXX - Account # : XXXX - Past Due Amount : {$0.00} XXXX XXXX XXXX Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
I am writing to formally dispute several inquiries that l believe to be fraudulent and have negatively impacted my credit report.

Below is a detailed list of the inquiries in question : XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These inquires and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I was contacted by NCB MANAGEMENT to try and collect a debt of {$6300.00}. I have no signed contract with NCB MANAGEMENT. They stated they purchased the debt from XXXX XXXX XXXX  which I never received a 1099 from the sale of the debt. I requested verification of the debt and received a letter requesting NCB Management needing more time to verify and collect information from the original creditor on XXXX2024 and have not received any following information or communication since. I question the accuracy of the debt and information and request this be removed off of all credit reporting bureaus. Along with NCB management not being licensed to collect a debt in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MI

Complaint narrative:
The current administration, through illegal actions by the " Department of Government Efficiency, '' has mishandled my private student loan information in violation of FERPA ( Family Education Rights and Privacy Act ).

Company response to consumer: Untimely response