vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: VA

Complaint narrative:
I reviewed my credit report and noticed that there is inaccurate information reporting on my credit report/credit file ; I reached out to the companies and to the credit reporting agencies ; when I reached out to the companies they advised me that I needed to reach out to the credit reporting agencies that is reporting that false data which I did and as of todays date their has been no change which is a violation of my rights of the FCRA. I am a victim of several data breaches which are XXXX XXXX XXXX XXXX XXXX XXXX My request is to have the false and inaccurate data and items removed from my credit report as well as removed from my credit file and a new and updated credit report sent to me with reflecting the removals/ updates. I have attached a copy of my drivers license and a copy of my identity theft report

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 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This company has fraudulent used my personal identifying information to report inaccurate entries on my consumer credit report ( XXXX ), without my permission, consent or a verified contract naming me as liable party owing a debt. They've hurt my ability to access the use of my consumer credit, further diminishing my faith in the credit and banking system in general.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: OR

Complaint narrative:
I have had an account with cash app for years! I went to prison in XXXX with my account still open and came home in XX/XX/XXXX to my account being closed for violating their tos when I did nothing wrong. Ive contacted customer support with cash app 3 times now one of them being today and they said they sent an appeal but never got back to me. I hear this is happening to a lot of people and theyve been sued for this kind of stuff prior. Something needs done this isnt okay!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-19 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have some hard inquiries on my account that I did not ever opened!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
b'Not mines XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX  please remove never seen before'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As a victim of the XXXX Equifax data breach, I have endured significant and ongoing hardship due to your company 's failure to protect my personal information. Despite my repeated attempts over the past several years to dispute fraudulent accounts on my credit report, Equifax has consistently failed to conduct proper investigations. Instead, without my knowledge or authorization, an unauthorized block was placed on my account, preventing me from accessing my own credit report, even online. 

I was never once contacted by Equifax to inform me of this block. This unauthorized action has directly led to multiple denials of credit and has severely hindered my financial standing. It was only today, XX/XX/XXXX, after speaking with an Equifax representative, that I was informed of this block and told I needed to submit a cover sheet, along with copies of my driver 's license and Social Security card, to have it removed. 

I must emphasize that I never placed any blocks on my account, making this action by Equifax unauthorized and, in my view, illegal. Furthermore, the requirement to mail sensitive personal documents, with no secure electronic alternative, forces me to assume unacceptable risks of further identity theft should these documents be lost in transit. This feels like an attempt to shift accountability for the irreparable damage already caused by the initial data breach. 

My personal information was compromised in the breach and has recently been verified as being on the " dark web. '' Equifax has failed to take responsibility for this loss, and the promised free credit screenings were never even provided. To add insult to injury to injury payment for the breach was for {$5.00} via prepaid gift card, which has never been redeemed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
Perfect. Ill now update the CFPB complaint letter with your added statement about the misleading communication from the representative. 



Updated CFPB Complaint Letter for Submission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) www.consumerfinance.gov/complaint Subject : Formal Complaint Against NCB Management Services for Predatory Lending, Misleading Terms, and Excessive Fees Dear CFPB Representative, I am filing a formal complaint against NCB Management Services due to what I believe to be predatory, misleading, and abusive lending practices. 



Summary of Complaint : 1. Excessive & Unfair Fees When I took out a loan with NCB Management Services, I was charged an initial large fee, and then every payment I attempted to make was hit with a {$150.00} payment fee. These recurring charges, in combination with a high interest rate, made it nearly impossible to reduce the principal balance. I was trapped in a cycle where my payments mostly went toward fees, not the actual loan. 
2. Misleading Loan Explanation by Representative When I first spoke with a female representative from the company, I asked about the loan terms and conditions. She began to explain them but then changed the subject and never returned to my question. I did not fully understand how the charges would work until it was too late. I later discovered that the total amount I would have to repay was more than double the loan amount. For example, if I borrowed {$3000.00}, I would be expected to pay back {$7000.00} or more after all fees and interest something that was never made transparent during the conversation. 
3. Predatory Lending Loop Due to the misleading information, excessive fees, and aggressive repayment structure, I believe this loan meets the standards of predatory lending, and violates consumer protection laws. 



What Im Requesting : A full investigation into NCB Management Services lending and fee practices. 
That this collection be dismissed entirely, as the structure and communication were deceptive and harmful. 
That enforcement action or fines be considered if the company is found in violation of fair lending practices. 
That any similar accounts reported by this company be re-reviewed, as I suspect others have faced the same treatment. 



Supporting Evidence : I can provide : Screenshots of the XXXX XXXX report showing the open balance Notes from phone calls Payment records Timeline of events Thank you for reviewing this matter. I trust the CFPB will act swiftly to protect me and others from this kind of financial abuse. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
Under Federal Educational Rights and Privacy Act ( FERPA ) they are sharing my personal information and transaction history which I did not authorize. This narrative is a formal legal assertion that Mohela is operating as a third party loan servicer and/or debt collector and subjected to all applicable federal and state consumer protection laws, including the Fair Debt Collection Practices Act, 15 USC 1692, The Fair Credit Reporting Act ( FCRA ) 15 USC 1681 and related statues governing financial servicer. Mohela, often referred to as a student loan servicer, is not the original creditor for most federal and private loans it services. When loans are originated by the Department of Education or a private lender then later transferred to Mohela, it becomes a third party loan servicer. Any debt that has been sold or assigned to Mohela must be supported by an unbroken and legally verifiable chain of title as established under UCC 9-406, UCC 3-301 and relevant case law. If Mohela is unable to provide such documentation then they lack standing to collect or enforce the debt in question. This is false and misleading representation under FDCPA violation and 15 usc 1692e. If Mohela is reporting this debt to credit reporting agencies without the legal authority to do so after the debt has been transferred, discharged or extinguished, then they are violating 15 USC 1681s-2 prohibiting the furnishing of inaccurate or outdated information to the consumer reporting agencies.

Under UCC 3-301 only a holder in due course may enforce a negotiable instrument. Mohela must prove they are legally entitled to enforce the debt with document assignment and authorization. If they are unable to provide this documentation then all collection efforts are unenforceable as a matter of law. Although it may be contracted by the XXXX XXXX XXXX XXXX, it is not considered a fiduciary arm of the government and is subject to civil liability under FDCPA, FCRA and other statutes.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I was called today XX/XX/XXXX in regards to an alleged debt that was from XXXX. It was for a credit card total of XXXX, that went from XXXX XXXX, to another company, to yet another company. I told them I dont know anything about it they mentioned lawyers, and ended the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I am filing a complaint against my auto loan lender for excessive, harassing phone calls. My payment was due on the XXXX of the month, and by the XXXX ( just 6 days later ), both I and my spouse ( co-signer on the loan ) had received over a dozen missed calls combined from the company. We are not in default we are within our grace period. 

I called the company and respectfully asked them to stop the calls. I made it clear that I was aware of the grace period and understood that interest may accrue, and I take full responsibility for it. The representative responded that the grace period is only to avoid late fees, and dismissed my concern. 

Despite this conversation, the company continued the calls to both me and my spouse separately sometimes several times a day. We also received an email stating we should pay or call them immediately. This behavior is stressful and feels harassing, especially given that we have been consistent in making payments previously and were only 6 days past the due date. 

I believe this behavior violates consumer protections and respectful debt servicing practices. I request a full investigation into their call practices, a cease in harassing contact, and clear communication guidelines that respect grace periods and borrowers rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-19 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: CT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-07-19 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: FL

Complaint narrative:
XXXX XXXX XX/XX/year> 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2025-07-19 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: CT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: IL

Complaint narrative:
b'I sent a certified letter to Experian on XXXX via XXXX  mail with a tracking number of  XXXX XXXX XXXX XXXX XXXX XXXX  . The letter was delivered to Experian in XXXXTX on XXXX at XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. Experian ignored my request and I proceeded to send another letter on XXXX. They also ignored my 2nd letter. The accounts that were included in both letters were \n\n1. XXXX Balance is $XXXX and account number is  XXXX\n2. XXXX Balance $XXXX account number  XXXX\n3. XXXX BAlance $XXXX account number  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