vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
This complaint is being filed in reply to the response I received from a debt collection company called NCB on XX/XX/year>. The CFPB complaint number XXXX. I requested documents from the company regarding alleged debt the agency claims I owe but instead received a written response explaining the alleged debt. It is not a matter of what you know, but what you can prove. The debt collector did not provide me the documents I requested and continues to claim that credit reporting is not communication or an attempt to collect debt as if I did not provide proof via case law showing that federal courts have acknowledged that credit reporting is in fact communication. The company in question is not in compliance and has violated my consumer rights. It was given a written cessation order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BetterNOI, LLC
State: PA

Complaint narrative:
I am writing to formally address the misuse of my personal information that has led to false entries on my credit report. Specifically, I have identified inaccuracies related to a Landlord/Tenant civil court filing that I did not authorize or have any connection to. These entries are tied to the properties located at XXXX XXXX XXXX XXXX, XXXX, PA, and XXXX XXXX XXXX, XXXX, PA. 

I believe I am a victim of identity theft and was unaware of these fraudulent activities until I applied for housing with XXXX XXXX, only to be denied due to the negative impact these erroneous filings have had on my rental history. My only residence since XXXX has been XXXX address, and I have never received an eviction notice or any legal documentation related to the claims being made against me. 

Furthermore, I wish to bring to your attention that XXXX, XXXX, XXXX and the consumers reporting agencies has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ). They have not conducted a reasonable investigation of disputed information on my credit report, allowing inaccurate or unverifiable accounts to remain unresolved. This aligns with the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, and all other third party agencies which alleges systemic issues such as the failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to adequately inform consumers about dispute outcomes. Unfortunately, my experience reflects these failures ; despite providing evidence to dispute these inaccuracies, XXXX has neither corrected nor removed the false items from my report, which continues to harm my credit standing. 

The inaccurate information was reported on XX/XX/XXXX, and XX/XX/XXXX, and remains unresolved. I am therefore requesting immediate corrective action to remove or amend these disputed accounts, as these consumers reporting agencies inaction constitutes a violation of federal law and my rights as a consumer. I appreciate your prompt attention to resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: IL

Complaint narrative:
XXXX check deposit its a business bank account my customer verified it and I provided documentation they asked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: GFS II, LLC
State: OH

Complaint narrative:
This furnisher gave inaccurate information to consumer reporting agencies which is affecting my livelihood. They in fact didn't follow the law. As Defined by The IRS, even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.

The above paragraph is taken directly from the IRS 2021 publication. MY FORM 1099-C should have been sent when they filed the account as a canceled debt. I never received MY FORM 1099-C. They proceeded with court action and by default judgement are trying to garnish me for this car. I wasn't aware of court hearings, and they also sold the car at an auction which they also didn't inform me of as well with the amount they sold it for and etc. This erroneous account shall be permanently deleted and thIS COURT ORDERED garnishment should be permanently NULL AND VOIDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Synovus Bank
State: GA

Complaint narrative:
First latitude postal address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX this company advertise false advertisement they intend to grabs your money fast and no contact no reply no receipt no confirmation number nothing after the collect your money promising your credit card that they know they can not provide and keep your money. 
CASE NUMBER OR CONFIRMATION NUMBER XXXX THEY DID CONFIRM TO ME THAT THEY ARE GOING TO KEEP MY {$200.00} REALLY THEY ASKED FOR {$200.00} AND TOOK XXXX VOICE WAS MISLEADING AND I WAS TOLD THAT I WILL RECEIVE MY MONEY IN XXXX DAYS XXXX DAYS until XXXX minutes to take my money and all the information they requested and never were able to give me a credit card but will keep my money for sixty today I find it fraudulent transaction and misleading misguiding I want my money back ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A Bankruptcy was removed from my Experian credit report and they installed yesterday without any notice, by law they have to let me know five days in advance in order to reinstall the bankruptcy, also i'm been a victim of identity theft and the data breach and i disputed account and they deleted

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 2025-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
In early XXXX I called Credit Management Company to discuss several collections that suddenly appeared on my credit reports. At that time I asked them to send me an itemized bill for each collection. They agreed to do that, but stated that it would take up to one month. I never received it. About an hour ago, I received a call from a very belligerent woman from this company who kept talking over me when I tried to speak. She berated me repeatedly, demanding to know what I was going to do about this debt. I told her several times to send the itemized bills for me to review. If they can not provide proof of the debt, then they need to remove it from my credit reports. I dispute this debt completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was surprised to find multiple accounts on my credit report that I have no knowledge of. These accounts were not opened or authorized by me, yet they are being reported under my name, creating a completely false and misleading credit profile. I need to know why this has happened and how these errors can be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX, 2024 XXXX XX/XX/scrub>, 2024 XXXX XXXX XX/XX/scrub>, 2024 2024

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 2025-04-07 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: TX

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: NE

Complaint narrative:
I have received a loan through One Main Financial. I pay {$180.00} a month. I have been paying for 28months, the loan was for {$6100.00} which included fees and taxes. The loan agreement was for 3years. My credit reports state I owe {$4000.00}. I have contacted XXXX at the XXXX, NE several times leaving my information to contact me back and I have not received any calls back for over 6 months. I am trying to get the last 6 months I owe paid off so I can get a new loan for a new vehicle. I have been ignored for several months. I have also contacted One Main Financial to update my email and phone on my account since they have changed and I no longer have access to my online account. I have paid for extra items such an insurance to cover me of something were to happen. I was not able to use it due to the fact I dont get a call back. I am in desperate need of getting this loan paid off or written off for their unprofessionalism of my false credit reporting. I will be contacting a lawyer soon if this isnt taken care of soon. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I signed up to served my country the united states of america, I would like to extended my farewell to the department of this credit card or charge card, I did missed few payments which was not intentional at the due time, I was at the basic training for the XXXX XXXX XXXXXXXX, I would like a reconsideration for my missed payment to be fixed and for my goodwill and customer service provided by your services, I will stay loyal and be with your financial institution for the good cause, I would like to also request for XXXX benefit, Attach will be my XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your co-operations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Balance : {$1100.00} XXXX  XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$730.00} Charged Off XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$970.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$3400.00} Collection Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-07 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate Account Name : XXXX XXXX XXXX Attached is my Identification card, my social security and a proof of address being my bank statement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
During the course of the loan it has been reported to the credit bureaus that the payments have been 30 -60 days late, which is inaccurate. The payment would be drafted from my checking account and may be 10 days late but never 30 days yet it was reported to the credit bureaus that it was. I have attempted to contact Ally Financial via an email to the CEO, via phone and via certified mail about this issue. They were not able to rectify the issue stating they did not have proof of this issue. 

Monthly payments are {$640.00} the dates in question are XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
The loan that I have on my credit report is inaccurate and have no knowledge of this. I believe that my information was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company response to consumer: Closed with non-monetary relief