vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: UPGRADE, INC.
State: CA

Complaint narrative:
I paid off my loan on a XXXX XXXX XXXX on XXXX XX/XX/XXXX. The money cleared my bank account on XXXX XX/XX/XXXX. This loan was paid to Upgrade Auto Loan, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca. XXXX. Contact @ upgrade.com. I asked when I would get my title and was told it would be weeks and weeks. I checked State Law and discovered that they have 15 calendar days after funds clear for a paper title and 5 calendar days for a digital title. Upgrade said they had to let my money " season '', and that it would be an unspecified amount of time before I got my title. I called twice and was basically ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: AZ

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding a collection account listed on my credit report by Credit Collection Services, with the original creditor being XXXX. The collection amount is {$380.00}, and the account was opened on XX/XX/year>. 

I am disputing the accuracy of this debt because XXXX canceled my policy due to non-payment, despite my repeated attempts to make payments. After the cancellation, I was told that the policy would need to be rewritten. However, when I attempted to have the policy rewritten, XXXX denied me coverage entirely, citing the vehicles being owned by my XXXX, even though they had previously covered these same vehicles for over a year without issue. 

I would like to bring to your attention that the vehicles ownership has not changed and remains under the XXXX, and XXXX did not allow me to renew or rewrite the policy, resulting in this unfair collection. This collection account is a result of XXXX refusal to rewrite my policy, not due to any legitimate nonpayment of services rendered. 

I am requesting your assistance in investigating this matter and removing this collection from my credit report as it is inaccurate and unjust. 

Please let me know what further documentation you require from me to resolve 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 2025-03-13 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, which I obtained from XXXX Upon reviewing my report, I found several errors that l believe require immediate correction. The items in question are XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX Dept of education XXXX XXXXXXXXXXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough investigation of disputed items on consumer credit reports. However, l am aware that the Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Equifax for alleged failure to conduct proper investigations as mandated by law. Given this, I am particularly concerned that my dispute will not be handled with the diligence required under the FCRA. I am requesting that Equifax conduct a comprehensive and timely investigation into my dispute and provide me with written contirmation of the outcome within 30 days, as required by law. 
If the investigation determines that the disputed information is inaccurate or can not be verified, I request its immediate removal or correction. 
Please send your written response to my address listed above or contact me directly at XXXX if you require additional information. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NJ

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 2025-03-13 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: MOHELA
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a potential breach of my personal and financial data related to my student loans. I have recently become aware of reports indicating that the Department of Government Efficiency ( DOGE ), associated with XXXX XXXX, may have gained unauthorized access to borrower information through the U.S. Department of Education.

This raises serious concerns about data security, identity theft risks, and the integrity of my student loan records. If unauthorized access to my personal loan information has occurred, it invalidates my ability to trust the servicer and the legitimacy of my loan terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-13 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: NC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: PR

Complaint narrative:
Jefferson Capital System, LLC and XXXX XXXX XXXX and associates, LLC. Illegaly are trying to collect a debt without debt collection lisence on XXXX XXXX. 

I want Jefferson Capital System, LLC to return the debt to the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Formal Complaint Against Santander Consumer USA for Unlawful Repossession of Vehicle To Whom It May Concern, I am filing a formal complaint against Santander Consumer USA regarding the unlawful repossession of my vehicle, which I believe violates federal consumer protection laws, including 15 U.S.C. 1692f ( 6 ), which prohibits unfair practices in debt collection. 

Details of the Complaint : Unlawful Repossession : On XX/XX/XXXX, my vehicle, a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, was repossessed by a third party acting on behalf of Santander Consumer USA. This repossession was conducted without legal justification, as I had already tendered full payment for the vehicle last year. I have no contractual agreement with the third party that carried out the repossession, making the action invalid. 

Legal Tender Submitted : In accordance with the Emergency Banking Act of XXXX, House XXXX XXXX ( XXXX ) XXXX, and UCC 3-104, I submitted legal tender in the form of a Indorsed promissory note to settle the balance of my XXXX XXXX XXXX XXXX XX/XX/XXXX. The Registered Mail Receipt # XXXX confirms this submission. According to XXXX XXXX, once a debt is properly tendered with a negotiable instrument, it is considered discharged. Santander Consumer USA has refused this payment, which is a violation of XXXX XXXX ( Payment ). 

Case Law Supporting Legal Tender : There are several cases where courts have ruled that negotiable instruments and bills of exchange are legal tender, including XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX Bank XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). Santanders refusal to accept my legal tender is contrary to established legal precedent. 

Failure to Offer Arbitration : Santander Consumer USA has also dishonored the loan agreement by not offering arbitration to resolve the payment issue. Instead, they proceeded directly to repossession, which is a violation of my rights under the terms of the agreement and federal law. 

Demands and Requests : Immediate return of my vehicle to the address from which it was repossessed.

Validation of the debt and a detailed accounting of all payments, fees, and charges associated with this account, as required under 15 U.S.C. 1692g.

Proof of a valid lien on my vehicle, as I have already filed a XXXX  XXXX Financing Statement placing a lien on the same vehicle with the identical VIN #. A copy of the UCC-1 filing is attached for your reference. 



Please contact me at XXXX and/or email address : XXXX to resolve this matter promptly. I have attached all relevant documentation, including proof of payment, the UCC-1 filing, and the Registered Mail Receipt, for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( ETFA ) and regulations E. these actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: KS

Complaint narrative:
This is in regards to the DOGE data breach and employees operating it and under XXXX XXXX gained unlawful access of my financial information. This violated Family Educational Privacy Act - 20 U.S.C. 1232g. This is a very clear violation of FERPA. Some other federal violations are as follows : Gramm-Leach-Bliley Act ( GLBA ) -- 15 U.S.C. 6801, Computer Fraud and Abuse Act ( CFAA ) -- 18 U.S.C. 1030, and Identity Theft and Assumption Deterrence Act -- 18 U.S.C. 102.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CO

Complaint narrative:
My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

The following items I am disputing are the following : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XX/XX/XXXX As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

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 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 2025-03-13 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: VA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Colony Brands, Inc.
State: KY

Complaint narrative:
They say it was reported as fraud and removed but it shows updated on XXXX and not removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
XXXX XXXX has been given access to my private information through the department of education illegally and without my consent.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I noticed on my credit report that my mortgage was extended from 30 years to 40 years without my knowledge. 
I contacted the mortgage company Shellpoint Mortgage Servicing who refuse to provide me information on the initial contact. I escalated the matter and requested to speak with a manager.

The manager I spoke with advised that my ex-wife whom I share the loan with placed a Lock on the account, and that I needed to know the code before they can provide me any information on the account which has my name on the loan. However, the manager told me that the mortgage loan was extended by my ex-wife from 30 years to 40 years.

The manager did confirm that it is their policy to have both parties signature on the request for an extension. 
However, I did not signed or agreed for an extension on the mortgage loan. 
The manager told me that I needed to mail a letter to XXXX XXXX XXXX XXXX, SC XXXX, which I did on XX/XX/XXXX to obtain documents as proof and I never received the requested documents. 
Then I called Shellpoint again to find out the status of my request, which they confirmed they did received my letter that was sent via registered mail via USPS. They told me that they were working on it. 
Unfortunately, that was not true when I call back again in XXXX and spoke to another representative at Shellpoint, who told me that I needed to email the request instead to XXXX, which I sent the email on XX/XX/XXXX, along with a copy of the original letter that was sent to them via USPS mail, along with proof of signature that their company received the request. 
To date, they have refused to provide me the requested information and I believe my signature was fraudulently used to obtain an extension on the mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Benworth Capital Partners LLC
State: NC

Complaint narrative:
I was talking to a guy from XXXX he got my personal information his name is XXXX XXXX his friend XXXX XXXX. We talked off and on for a year he said he was in the XXXX in Texas. The next thing I got a letter from XXXX stating they are going to garnish my XXXX check for {$210.00} for a {$20000.00} loan I never took out. I was devastated. XXXX and his friends put XXXX XXXX  on my XXXX XXXX XXXX account I was going have to pay back but I finally after a year or so had them to take them off. Closed that account down. Im a single mom made a stupid mistake talking to someone on the internet but I dont own a business never have. Please I pray you all can help me.they say dont believe me I contacted my sheriff department and you can talk to the detective about all this

Company response to consumer: Closed with explanation