vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Bridge IT, Inc.
State: WI

Complaint narrative:
This is not my account however it's showing up on my credit reports! I know absolutely nothing about it! The report shows that someone has been paying on this semi regularly however I know that it's not me! I presume that if you determine who has been paying on this account you will know who the account belongs to I need this to beimmediately taking off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I am writing to formally dispute my student loan debt due to a breach of contract by Dodge and XXXX XXXX. This breach is a matter of public record, and I believe it directly impacts the validity and enforceability of my student loan obligation. 

Details of the Dispute : My student loan agreement was violated due to the actions of Dodge and XXXX XXXX, which have affected the contractual terms. 
Given this breach, I request a full discharge of my student loan debt. 

Please provide confirmation of receipt and an update on the steps being taken to resolve this matter. If additional information is needed, feel free to contact me at XXXX or XXXX. 

Thank you for your time and attention. I look forward to your prompt response. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX  XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX  opened on XX/XX/XXXX, an auto loan with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 program ( CFPA ). Specifically, cashapp 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 2025-03-16 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: PA

Complaint narrative:
I am writing to formally dispute several unauthorized and inaccurate hard inquiries listed on my credit report. I am requesting that immediate action be taken to investigate and remove these inquiries, as they are unjustified and negatively impacting my credit score and financial well-being.

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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OH

Complaint narrative:
The loan is over XXXX XXXX  and the school is no longer open

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am writing to formally request the immediate removal of the collection account associated with [ Account Number ] from my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am asserting my rights as a consumer regarding the accuracy, fairness, and privacy of information contained in my credit file. 

According to the FCRA, any information reported to the credit bureaus must be 100 % accurate and verifiable. If you can not provide concrete evidence that this debt is valid, was properly assigned, and that you have followed all legal guidelines in reporting and collecting this debt, you must cease reporting it immediately. 

Additionally, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, collection agencies are required to ensure that any debts they report comply with all relevant federal regulations. If the account in question does not meet these standards or was reported in error, its continued reporting violates my rights and may be subject to legal action. 

I demand that you provide the following within 30 days : Valid proof that this debt is legitimate and enforceable. 

Documentation proving your legal authority to collect and report this debt. 

A record of all communications and transactions related to this account. 

If you can not furnish the requested documentation, I expect this account to be deleted from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ) immediately. Failure to comply with this request may result in a formal complaint filed with the CFPB, Federal Trade Commission ( FTC ), and my state Attorney Generals office. I am also prepared to seek legal remedies under the FCRA and FDCPA. 

Please respond to this letter in writing, confirming your actions regarding my request. I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATE ON THIS ACCOUNT. XXXX, DEPT OF ED/ XXXX, ACCOUNT TYPE ( EDUCATION ), XX/XX/year>. I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681, Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud.

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 2025-03-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I get a Notice of XXXX every month. 
Every month I try to take care of the issue. 
I made XXXX payments on XX/XX/XXXX ( {$95.00}, {$5.00}, and {$100.00} ). 
I made a payment on XX/XX/XXXX ( {$200.00} ). 
All were on time and for more than the minimum amount indicated on my bill. 
I received a Notice of XXXX dated XX/XX/XXXX stating I did not make a payment in XX/XX/XXXX. 
I received a Notice of XXXX dated XX/XX/XXXX stating I did not make a payment in XXXX of XXXX. I made payment of {$0.00} ( this was my error which I corrected on XX/XX/XXXX ). 
On XX/XX/XXXX, I received a " Reminder Notice '' for a " missed '' regular payment of {$0.00}. This was the payment I made in person at a local branch. 
On XX/XX/XXXX I received a " XXXX Notice. '' This is the amount I paid on XX/XX/XXXX. 
I go to the branch, ask how much, pay them, and I still receive delinquent notices, Notice of XXXX, and my account does not seem to be credited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Access to XXXX XXXX XXXX XXXX XXXX XXXX Issues Description of Issue : I am submitting this complaint regarding the unauthorized access, use, and potential misuse of my personal financial data related to my federal student loans. Recent reports indicate that XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX gained access to sensitive borrower data within the XXXXXXXX Department of Education ( XXXX ), including financial records, credit reports, and personally identifiable information ( PII ), without borrower consent. 

According to a federal judges order, XXXX has been required to produce internal records explaining this access, which raises concerns about violations of the Privacy Act of 1974 and the Fair Credit Reporting Act ( FCRA ) ( XXXX ). Additionally, lawmakers have questioned XXXX  use of AI to process sensitive borrower data ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX has also filed a lawsuit alleging that this data access violates student privacy rights ( XXXX XXXX ). 

This unauthorized access raises serious concerns about data security, fraud risks, and improper credit reporting. 

Supporting Resources XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: MD

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  The account name is National credit system. I sent multiple cease and desist to this agency. I sent a lot of letters. This company told me they would remove it and its still there on all three of my credit reports

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 2025-03-16 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: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
Dear XXXX XXXX I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent. 
I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Co
nsumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: LA

Complaint narrative:
am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Metro 2 laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt XXXX  Account Number : XXXX - Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX - Current Status : {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX 
- Date Opened : XXXX XXXX, XXXX- XXXX XXXX : XXXX account. {$710.00} past due as of XX/XX/XXXX. XXXX XXXX {$710.00} XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX  - Date Opened : XX/XX/XXXX - Current Status : Collection account. {$960.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Dispute of Fraudulent Account Due to Identity Theft I am writing to dispute an account that has been fraudulently opened in my name. The account details are as follows : I did not open this account, and I am a victim of identity theft. Enclosed, please find a copy of my FTC Identity Theft Report and proof of my identity. I request that you investigate this matter, close the account, and confirm in writing that I am not responsible for any charges associated with this account. 

Additionally, I request that you cease reporting this account to the credit reporting agencies and remove any related negative information from my credit report as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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:
am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Metro 2 laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt XXXX  Account Number : XXXX - Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX - Current Status : {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX 
- Date Opened : XXXX XXXX, XXXX- XXXX XXXX : XXXX account. {$710.00} past due as of XX/XX/XXXX. XXXX XXXX {$710.00} XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX  - Date Opened : XX/XX/XXXX - Current Status : Collection account. {$960.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Dispute of Fraudulent Account Due to Identity Theft I am writing to dispute an account that has been fraudulently opened in my name. The account details are as follows : I did not open this account, and I am a victim of identity theft. Enclosed, please find a copy of my FTC Identity Theft Report and proof of my identity. I request that you investigate this matter, close the account, and confirm in writing that I am not responsible for any charges associated with this account. 

Additionally, I request that you cease reporting this account to the credit reporting agencies and remove any related negative information from my credit report as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the actions taken.

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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX LVNV FUNDING LLC XXXX, XXXX Debt Validation Request Dear LVNV FUNDING LLC, I am writing to formally request validation of the alleged debt referenced in your communication dated [ date of the letter or call from the collector ]. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to obtain verification of the debt before making any payments. 

Please provide the following information : XXXX. The original creditors name and contact information. 
XXXX. The original account number associated with the debt. 
XXXX. The total amount owed, including a breakdown of principal, interest, and any fees. 
XXXX. Proof that you have the legal right to collect this debt. 
XXXX. A copy of any written agreement that legally obligates me to pay this debt. 
XXXX. A copy of the last billing statement from the original creditor. 

Until this requested validation is provided, I do not acknowledge or assume any responsibility for this alleged debt. Additionally, per the FDCPA, please cease all collection activities, including reporting this debt to credit bureaus, until proper validation is furnished. 

Please respond to this request in writing within XXXX  days of receiving this letter. Failure to provide the requested information may constitute a violation of my rights under federal law. 

Thank you for your cooperation. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation