vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NCB Management Services Inc.
State: KY

Complaint narrative:
To Whom It May Concern, I am writing to report a phone call I received from a debt collection agency called NCB Management Services Inc . The call came on XX/XX/year>, at XXXX PM from the number ( XXXX ) XXXX and lasted about XXXX minutes and XXXX seconds. 

I told the representative that I knew about the debt and that I was working on paying off several accounts within the next 3 months. I said clearly that I could not pay anything today. 

The man on the phone offered to take off {$10000.00} from the debt and said I would need to pay about {$3800.00} that same day. I told him again that I couldnt pay today. Then he said I could do monthly payments of around $ XXXXbut still asked me to make the first payment that day. I said no again. 

He transferred me to a woman who was supposed to help with an extension. But instead of helping, she started asking me very personal questions like : Why havent you paid? 

What do you mean youve been going through things? 

How are you going to fix it? 

When will you know the answer? 

I had already explained that Ive been going through a lot and am just now getting back on my feet. She kept pushing and raised her voice, saying things like I know more about debt than you do. At that point, I got upset and told her again I wasnt paying today and hung up. 

The whole call made me feel pressured, judged, and disrespected. I was honest about my situation and they didnt listen. I believe this goes against the Fair Debt Collection Practices Act, and I want to report how I was treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-04 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) by one or more credit reporting agencies and/or data furnishers. 

On XX/XX/XXXX, I submitted a formal dispute regarding inaccurate and/or outdated information appearing on my credit report. The disputed item such as a charged-off account, name, address, and collection. I provided supporting documentation and requested an investigation as required under 15 U.S.C. 1681i. Despite the 30-day requirement for reinvestigation, the credit reporting agency failed to conduct a reasonable investigation and continued to report the disputed information. Furthermore, the furnisher of the information failed to correct or delete the data, even though it was notified of the dispute and provided with documentation.I sent follow-up communications on [ insert date ( s ) ], but received no adequate response or resolution. As of today, the inaccurate information remains on my credit report, negatively affecting my creditworthiness and causing emotional and financial harm.

Given the failure to fulfill their obligations under the FCRA including the failure to correct inaccurate information and the failure to conduct a proper investigation I have sent a Notice of Intent to File a Lawsuit to the parties involved. If this matter is not resolved promptly, I intend to proceed with legal action and seek all remedies available under federal law, including damages and attorneys fees. 

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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 2025-05-05 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: MI

Complaint narrative:
Dispute Letter to Loan Servicer XXXX XXXX XXXX. 

XXXX XXXX XXXX. 

XXXX, MI XXXX XXXX XXXX XX/XX/year> Department of Education U.S. Department of Education XXXX XXXX XXXX, XXXX Washington, D.C. XXXX Re : Immediate Cease & Desist of Student Loan Reporting and Collection Due to Department of Education Abolishment To Whom It May Concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, XXXX XXXX has signed an executive order to abolish the U.S. Department of Education, thereby creating a material legal void concerning all student loan obligations previously managed under its authority. 

# # # Demand for Verification & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided.

- A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment.

- Written confirmation that you will cease reporting this unverified debt to credit bureaus.

If you fail to comply, I will escalate this matter to the CFPB, FTC, and pursue legal action for violations of my consumer rights. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: MI

Complaint narrative:
Dispute Letter to Loan Servicer XXXX XXXX XXXX. 

XXXX XXXX XXXX. 

XXXX, MI XXXX XXXX XXXX XX/XX/year> Department of Education U.S. Department of Education XXXX XXXX XXXX, XXXX Washington, D.C. XXXX Re : Immediate Cease & Desist of Student Loan Reporting and Collection Due to Department of Education Abolishment To Whom It May Concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, XXXX XXXX has signed an executive order to abolish the U.S. Department of Education, thereby creating a material legal void concerning all student loan obligations previously managed under its authority. 

# # # Demand for Verification & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided.

- A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment. - Written confirmation that you will cease reporting this unverified debt to cre
dit bureaus.

If you fail to comply, I will escalate this matter to the CFPB, FTC, and pursue legal action for violations of my consumer rights. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-05 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: MI

Complaint narrative:
Dispute Letter to Loan Servicer XXXX XXXX XXXX. 

XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Department of Education U.S. Department of Education XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Re : Immediate Cease & Desist of Student Loan Reporting and Collection Due to Department of Education Abolishment To Whom It May Concern, I am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, XXXX XXXX has signed an executive order to abolish the U.S. Department of Education, thereby creating a material legal void concerning all student loan obligations previously managed under its authority. 

# # # Demand for Verification & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided. 

- A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment.

- Written confirmation that you will cease reporting this unverified debt to credit bureaus. 

If you fail to comply, I will escalate this matter to the CFPB, FTC, and pursue legal action for violations of my consumer rights. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Follow-Up Complaint Chase Bank Rejected Verified Transfer Again After Telling Me It Was Cleared I am submitting this follow-up complaint because Chase Bank has once again blocked my attempt to link and transfer funds from my XXXX XXXX account to my Chase accounteven after explicitly telling me in their XX/XX/year> response to the CFPB that I could resubmit the transaction and it would be accepted. 

On XX/XX/year> at XXXX AM XXXX, I submitted a {$20000.00} transfer from XXXX  to my Chase XXXX XXXX  account. Within seconds, the system rejected the transfer, marking the status as Canceled with the note : We rejected this transfer. No explanation was provided. 

This action directly contradicts Chases statement to the CFPB on XX/XX/XXXX that the issue had been resolved and that I was free to proceed with the transaction. I contacted Chase again and was given the same unhelpful response : that the fraud department had blocked it and there was no escalation process, no ability to provide documentation, and no override. 

I have now : - Followed Chase 's instructions after their XX/XX/XXXX response, only to be rejected again immediately. 

Despite every step taken in good faithand Chases acknowledgment that the transactions were validI 'm still unable to link or transfer funds between my own accounts. This is a failure of both customer service and internal fraud protocols, and misrepresentation of resolution status to a federal regulator. 

Previous complaint : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identity theft. I do not recognize these accounts please remove this from my credit report, they are hurting my ability to obtain credit.

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 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
On XX/XX/year>, Bridgecrest XXXX coordinated with XXXX XXXX XXXX to seize a vehicle assigned to a private trust despite having already received a lawful tender in the amount of {$42000.00} via XXXX XXXX XXXX XXXX. The tender was delivered with an arbitration request, XXXX XXXX XXXX, and legal notices. Bridgecrest refused to respond to the arbitration agreement and ignored the secured partys legal position. Instead, they sent a misleading letter dated XX/XX/year> ( received weeks later ), which failed to address the arbitration clause or the XXXX filing and attempted to invalidate the lawful instrument without rebutting it point-for-point. They also ignored requests for validation of debt, account breakdown, and legal justification for possession of the collateral property. They are now trying to reroute recovery efforts through agents, violating federal collection and commercial laws. This complaint is to document mail fraud, conversion, and debt collection violations. 
On XX/XX/year>, Bridgecrest XXXX coordinated with XXXX XXXX XXXX to seize a vehicle held in trust, despite having already received a lawful tender in the amount of {$42000.00} via XXXX XXXX XXXX XXXX. This tender followed an initial {$940.00} down payment made at the time of purchase. The full settlement package included a XXXX XXXX XXXX, arbitration agreement, and legal notices. Bridgecrest failed to honor the arbitration clause or rebut the tender, and instead issued a generic denial that did not address the legal instrument or secured party status. They ignored multiple lawful requests for validation of debt, account breakdown, and contractual justification for the XXXX. This complaint is to document fraud, debt collection violations, and attempted conversion of trust property through misuse of mail and third-party repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXX XXXX XXXX - Opened XXXX XXXX XXXX With a balance of {$0.00} XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$3000.00} XXXX XXXXXXXX XXXX - Opened XX/XX/XXXX With a balance of {$4800.00} XXXX XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$1000.00} XXXX XXXXXXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$3800.00} XXXXXXXX XXXX - Opened XX/XX/XXXX With a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$1300.00} There are also fraudulent inquiries related to identity theft with : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/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  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: CT

Complaint narrative:
The information reported and on file does not match my records or personal information. The amount due and the monthly payments are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have submitted several disputes throughout the course of a year to get the inaccurate and misleading information off of my consumer report. The credit bureaus have been taking LONGER than the timeframe they are aloud to in order to complete the investigations that they need to which is against FCRA Laws. The bureaus continuously undermine me by saying I'm a credit repair company or something about my identity although I provide proof of my State ID and XXXX Passport. I've taken additional steps by sending in an FTC Report, FTC Affidavit ( Notarized ), the General State of Attorney complaintXXXX XXXX complaint, along with proof of my ID 's and address. I've asked the credit bureaus to send proof of investigations by sending me Account Ledgers, the original contracts from the companies, audit trails, and licensing in the state because of the inaccuracies and misleading information on my credit report. The Bureaus HAVE NEVER SENT ME ANY INFORMATION REGARDING PROOF OF INVESTIGATIONS IN A TIMELY MANNER, TAKING LONGER THAN 60 DAYS TO RESPOND TO ME. Pursuant to FCRA 605B ( 15 U.S.C & 1681c-2 ) EQUIFAX Credit reporting agency , block information appearing on my credit report that's the result of inaccurate, false, and misleading information which consists of account XXXX XXXX XXXX Account XXXX opened XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX opened XX/XX/year> and XXXX  Account # XXXX. This also includes 2 separate DEPT OF ED Accounts XXXX, and ALL inquiries listed on my credit report. I demand that the aforemntioned inaccurate items be removed from each of my consumer reports and that all collection activity related to the items cease pursuant to FCRA and FDCPA laws. The credit bureaus have been taking advantage of me and I be pursuing legal action. This has affected me in many ways including being able to find housing, being able to find a good job due to my credit checks from employers, high interest rates, and denied extensions of credit from creditors that I know I am worthy of. I look forward to taking legal action against the credit bureaus.

Company response to consumer: Closed with non-monetary relief