vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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 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 This includes the prompt correction of outdated or incorrect information.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 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I filed Bankruptcy XXXX XXXX on XX/XX/2024. The petition date was filed by my attorney, XXXX XXXX on XX/XX/2024. I received a letter from the court that the everything was discharged on XX/XX/2024. 
I have notified all credit card companies that I filed bankruptcy. 
In XXXX LVNV Funding was requesting a payment from me. I told them I filed Bankruptcy XXXX XXXX and gave them all information requested. 
On XX/XX/XXXX and XX/XX/XXXX LVNV Funding ( XXXX XXXX collection department ) put a collection account on my credit report, after everything was discharged.

I contacted LVNV Funding again to inform them they need to remove it as it's incorrect. They claim they reviewed my Bankruptcy report and XXXX  XXXX account is not listed. I resent them the report and highlighted the areas where it clearly shows XXXX XXXX listed. They still refused to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: VT

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
Hello. I am unable to receive appropriate assistance from credit karma money, they have submitted my account for closer without due cause. I exercised my consumer right to file a dispute to gain assistance with charges on my account and now feel as though they have discriminated against me and closed my account without due cause for exercising such right And have denied me access to the funds in my account that I desperately need due to financial hardship. You can not speak with upper management when requested and the customer service states theres no way to escalate customer complaints or issues to the back office that handles account closure. Credit karma lacks transparency and had I known they would punish me for exercising my rights as a consumer I would have never used them nor would I have felt comfortable filling dispute. Ive worked in back office limitations for a massive company for almost ten years and there is always an appeal process and an option to request immediate access to funds in the account. Please assist me with this matter as a XXXX XXXXXXXX who has XXXX children to provide for who exercised their consumer right to file a dispute who is now being punished or discriminated against for doing so. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-25 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: LA

Complaint narrative:
Please carefully review this complaint, as it was submitted intentionally. My credit report contains mixed information, and I have repeatedly identified accounts, transactions, and items that are not mine. This ongoing issue is deeply concerning and has caused me significant XXXX and 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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: LA

Complaint narrative:
I received a Fit credit card in the mail. I had to pay a {$95.00} processing fee for it to be activated. I did that and i was told that the card was activated. I tried to use it and was declined. I called the phone number on my card to find out why my card wasn't working. I was told that I had to call back in 48 hours and it would be activated. I did that and tried to use the card and it was still being declined. I called again and was told that the chip wasn't activated on the card so I can only use it online. I tried that and was declined again. I called again, very frustrated, and was told that I would be able to use the card in 3 business days. The sad thing is that the XXXX XXXX XXXX  is backing this card and the company activating the cards is operating fraudulently. I can't even purchase gas. HOW SAD!!!!!!!

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XX/XX/2025 Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, CA XXXX Subject : Credit Report Dispute Request for Investigation Dear Midland Credit Management , Inc., I recently reviewed my credit report and found inaccurate information regarding an account you have reported. Under my rights provided by the Fair Credit Reporting Act ( FCRA ), I am formally disputing the following item and requesting validation. 

Disputed Account : Creditor : Midland Credit Management , Inc . 

Account Number : XXXX Error : This account is wrongly reported on my credit report. 

Correction Requested : Immediate removal from my credit report.

Under the FCRA ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I request the following : Proof of debt ownership : Provide documentation showing that this account is valid and belongs to me.

Original creditor details : Include the original creditor 's name, account statements, and any agreements.

Proof of legal right to collect : Provide documentation confirming your authority to collect this debt.

If you can not verify this debt within 30 days, I expect you to remove it from my credit report as required by law.

Please provide written confirmation of the results of your investigation and any corrections made. I request that all future correspondence be in writing. 

Sincerely, XXXX XXXX Attachments : Copy of my credit report with the disputed item highlighted Copy of my drivers license ( for identity verification ) Copy of a recent utility bill ( proof of address )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> I would like to request, in writing, that you MUST contact me ONLY via the address noted in this letter and through no other medium. These other mediums include but are not limited to phone, email, social media, place of employment, and any credit reporting agencies. I wish ONLY to be contacted with the following information requested as well as any updates on this account being deleted or updated as instructed. 

Please provide me the following information : 1. Name and address of alleged creditor : __________________________ 2. Name on file of alleged debtor : __________________________ 3. Alleged account number : __________________________ 4. Date that this alleged debt became payable : __________________________ 5. Amount of alleged debt : __________________________ 6. Was this alleged debt purchased or assigned to a debt collector? __________________________ 7. Amount paid if debt was purchased : __________________________ 8. Commission for debt if collection efforts are successful : __________________________ PLEASE ALSO ATTACH COPIES OF THE FOLLOWING INFORMATION REGARDING THIS ALLEGED DEBT : 1. Original contract of debtor with debtors wet ink signature.

2. All statements while this account was open.

3. Any and all accounting documents associated with this alleged debt.

I would furthermore like to know who gave your company authority to collect on this alleged debt and please provide proof that your company has the right to collect on this alleged debt. Please also tell me if any insurance claims or judgments have been made by any creditor regarding this account. 

Please provide me with the name and address of the bonding agent for Waypoint Resource Group, in case legal action has to be taken. 

You must provide me with all the information I have provided to you or other transfer agreements which would establish your right to collect on this alleged debt within 30 days from the date of your receipt of this letter. 

YOUR CLAIM CAN NOT AND WILL NOT be considered valid if any portion or documents have not been provided as instructed by the consumer. This is a request for validation according to the FDCPA. 

Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved!

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 2025-03-25 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: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Hello. Citi has a credit card promotion called Merchant Offers. These offers are giving customers cash back for using their card to specific merchants. I have participated in these offers for months and months. Back in XXXX, I enrolled in a merchant offer from XXXX XXXX for 12 % back on XX/XX/XXXX along with a handful of other offers after getting the Citi marketing email that new offers were loaded. I then made a purchase with XXXX  XXXX the next day for {$71.00} bucks. I have never received that reward. The other Merchant Reward that I enrolled in was fulfilled within like 2 weeks. 

Citi doesn't have any contact information for questions or issues for this promotional program. I was able to find a customer service email address via XXXX and emailed them asking them to look into my issue on XX/XX/XXXX. Still haven't heard anything back from that email. 

I called Citi on XX/XX/XXXX and finally got a hold of a live person. I told him the issue and told him I emailed myself a screenshot that I enrolled in the offer. He said I can not email or submit online any where. He said the only way to provide the details is to print it out and mail to Citi. I was floored that is the only way to provide a big bank information. 

Let me know if you need anything else. 

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 monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions XXXX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section XXXX - XXXXXXXX XXXX XXXX ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section XXXX - XXXX XXXX. XXXX ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section XXXX ( XXXX ) - XXXX XXXX. XXXX ( XXXX ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of XXXXnformation Furnishers ( FCRA, Section XXXX ( a ) ( XXXX ) ( A ) - XXXXXXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, XXXX XXXX - XXXX XXXX. XXXX ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, XXXX XXXX - XXXX XXXX. XXXX ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( XXXX, XXXX XXXX - XXXX XXXX XXXXXXXX ) : XXXX reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further XXXX the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-03-25 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: Central Portfolio Control Inc.
State: GA

Complaint narrative:
After receiving a message and immediately starting payment to Central Portfolio Recovery, the company contacted me again and threatened action despite already being paid. The company then proceeded to put a negative report on my credit report despite being paid for the debt, clearly as a personal attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you're doing well. I'm reaching out to dispute an unauthorized credit inquiry listed on my report. Ive recently reviewed my credit file and noticed an inquiry that I did not authorize in any way. I never gave this company permission to pull my credit, and this inquiry is both unauthorized and fraudulent. This is a serious issue that I expect to be addressed immediately.

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 2025-03-25 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: OR

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 2025-03-25 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: OR

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 2025-03-25 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: NV

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 2025-03-25 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: NV

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 2025-03-25 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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