vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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> 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am writing in regard to a collection account that was reportedly sold or transferred by your company to another entity under my name. The account in question, originally with XXXX XXXX, appears to have been sold to NCB management services LLC which I was neither informed of nor consented to. 

I formally request a full investigation into the matter and a written explanation of why this account was sold in my name. Furthermore, I am requesting that this collection account be deleted from my credit report and all associated records removed, as I did not authorize the transfer or sale of the account. This action is causing undue harm to my credit standing and is misrepresentative of my financial behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
Im writing to demand that you immediately certify that every single piece of information associated with this account actually belongs to me including the account number, payment history, dates, balances, and any and all personal information attached to it. This isnt a partial check. I want full, complete verification of ownership and accuracy across the board. 

If you can not 100 % certify that all of this data is accurate and belongs to me, then you are knowingly reporting unverifiable and potentially incorrect information, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Thats not just careless its illegal.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
XXXX XX/XX/year>, a debt from a former XXXX XXXX  account was sold to NCB Management Services. Since then, NCB has reported two separate collection accounts for the same debt to the credit bureaus. Both accounts show the same original creditor, identical balances of {$5400.00}, and the same open date of XX/XX/year>. The only difference is the account number. 

This appears to be a duplicate entry, which misrepresents the amount owed and negatively impacts my credit. I submitted a dispute and requested debt validation from NCB Management, asking for a copy of the original signed agreement, full account history, and proof of their legal authority to collect in my state. I have not received a valid response. 

I believe the interest charged on the original loan may violate state usury laws, and I am concerned that NCB Management is not licensed to collect debts in my state. Despite this, both entries remain on my credit file. 

I am requesting a full investigation, correction of the duplicate reporting, and confirmation that NCB is operating in compliance with all applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I purchased a XXXX XXXX XXXX from a dealership on XX/XX/XXXX. The vehicle was financed through Santander Consumer USA. As part of the loan, I financed {$890.00} for XXXX insurance and {$1000.00} for a service contract labeled XXXX XXXX. 

In XX/XX/XXXX, the vehicle was totaled. GAP insurance covered the outstanding loan balance except for {$1000.00}. I was informed at the time of purchase that if the vehicle was totaled, the unused portion of the {$1000.00} XXXX XXXX contract would be refunded and applied to any remaining balance. However, that refund was never applied. 

As a result, Santander is continuing to report and attempt to collect a {$1000.00} balance that should have been resolved through the refund of the service contract. I have contacted Santander multiple times in writing and disputed the issue with the credit bureaus, but the balance remains. 

Santander has not provided documentation showing that the service contract refund was applied or explaining why the balance is still owed. I believe this is a deceptive and unfair practice, as I am being held responsible for a balance that should have been cleared by the unused service contract after the vehicle was totaled. 

I am requesting that Santander correct this issue and stop collection efforts on the {$1000.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ending in XXXX has been open since XXXX  they reported to credit bureaus that I made a payment late in XX/XX/year>. I submitted a dispute and they changed the late payment to XX/XX/year>. My credit card was paid in full in XXXX on the XXXXXXXX XXXX, there was no payment due in XX/XX/year>. Please have them update and correct it on my credit file. Ive never had a payment over 30 days late on this card, please update, this is causing me issues on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX ending in XXXX has been open since XXXX  they reported to credit bureaus that I made a payment late in XX/XX/year>. I submitted a dispute and they changed the late payment to XX/XX/year>. My credit card was paid in full in XXXX on the XXXXXXXX XXXX, there was no payment due in XX/XX/year>. Please have them update and correct it on my credit file. Ive never had a payment over 30 days late on this card, please update, this is causing me issues on my credit file.

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 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CO

Complaint narrative:
XXXX passed in XX/XX/XXXX. I was an authorized signor on her credit card offered by XXXX XXXX XXXX through XXXX XXXX  as her daughter, care giver, executor of her will and successor trustee of the estate. The rewards program in which she participated offered gift cards for points earned. I waited one cycle so that the card had a XXXX balance when I called to report her death. XXXX locked me out of the card access immediately without access to the earned {$120.00} of rewards. 
> There is no written policy stating the terms of access to recover the money earned up to the death of the primary cardholder, including but no limited to, a list of required documents. All contact was via recorded phone calls to various toll free numbers with long wait times. When contact was made, I was transferred to another extension, or cut off. At the initial contact, I requested an address change which was confirmed XX/XX/XXXX. 
> Ultimately, even though the card was closed, XXXX allowed charges to be made on the card. I had already changed payments on all auto pay accounts. XXXX would not release the rewards. From XXXX through XXXX, I spoke with XXXX ( disconnected ), XXXX, XXXX, XXXX. XXXX told me to mail a copy of the will, and a copy of Illinois XXXXXXXX XXXX XXXXXXXX to a XXXX XXXX XXXX. Docs were sent Priority Mail XX/XX/XXXX. 
> XX/XX/XXXX, I received a list of documents requiring court documents. Trusts do not require notary in Illinois. I returned complete copies of the Trust, court stamped Will, my name change from divorce w court stamp to the XXXX XXXX XXXX in XXXX. Still no resolution. 
> I brought all the documents to the bank for my banker to Fax on XX/XX/XXXX, from the secure bank facsimile with XXXX on the telephone during the transmission. 
> On XXXX XXXX, I received a email from XXXXXXXX XXXX  requesting the same documents faxed in XXXX. XXXX XXXX has had copies of those documents in their possession since XXXX. This process is already 8 months and many hours of my time " in the process ''. 
It is my fiduciary obligation to settle my mother 's estate for the beneficiaries. My belief is that this may be typical of the employees in Deceased Accounts, but where does the money go, if abandoned in deceased accounts - certainly not to the beneficiaries? Perhaps an audit would provide an answer.

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 2025-05-16 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: NC

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: World Acceptance Corporation
State: WI

Complaint narrative:
This letter serves as formal notice and demand for the immediate removal of all derogatory information you have reported or caused to be reported to any consumer reporting agency regarding alleged debts which remain unverified, unvalidated, and unsupported by lawful documentation.

Despite multiple written requests sent to you, including notices under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you have failed to provide proper verification of the alleged debts. Instead, you have persistently responded with generic stall letters and photocopies of purported agreements lacking original wet ink signatures or judicial determinations of liability. A photocopy or auto-signed version of a contract is insufficient to constitute a legally binding and enforceable obligation, especially when demanded under the law. 

Pursuant to 15 U.S.C. 1692g ( a ) - ( b ), you are legally obligated to cease all collection activity, including credit reporting, until you provide full verification of the alleged debt, including : - A certified copy of the original agreement bearing my original wet signature, - A full accounting of the alleged obligation and chain of custody, - Proof of your legal standing to collect or report the alleged debt.

Your continued failure to comply constitutes willful noncompliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), and is considered an attempt to collect a debt through deceptive means. This notice serves as a final demand that you : 1. Immediately delete all inaccurate, unverified, or unauthorized information from all consumer reporting agencies.

2. Cease and desist from any further collection activity unless full legal validation is provided.

You are hereby noticed that failure to comply within ten ( 10 ) days will result in formal complaints filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and may result in a civil lawsuit against your agency and any parties involved for damages, including defamation, invasion of privacy, and violations of federal consumer law. 

I reserve all rights, remedies, and causes of action under law and equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MD

Complaint narrative:
I am disputing the inaccurate repossession reported by Equifax for XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, with a reported balance of {$0.00}. This account is being inaccurately reported as a repossession despite my diligent efforts to maintain responsible financial habits. The continued presence of this inaccurate information on my credit report is not only misleading but also a significant obstacle to my financial recovery. Under 15 U.S.C. 1681i, Equifax is legally required to ensure that all reported information is accurate and complete. Given the widespread data breaches affecting millions of consumers in recent years, it is entirely plausible that this error is a consequence of compromised data, highlighting the critical need for comprehensive data verification.

Moreover, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations into disputed items, as required under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ). The CFPB has accused Equifax of engaging in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. Under 15 U.S.C. 1681 ( a ) ( 5 ), Equifax is required to promptly correct or delete any information found to be inaccurate, incomplete, or unverifiable. The ongoing inclusion of this inaccurate repossession is a clear violation of my rights, causing significant emotional distress and financial instability, as I am unjustly burdened with the consequences of inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
on this date XXXX. XXXX, 2023 a company opened a collection. 
Account # XXXX {$670.00} that I owe I never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verify that I owe this debt to this alleged company. 
Please have this collection remove from my crdito report XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that some fraudulent accounts were there. Please remove these accounts. Thank you.

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 2025-05-16 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: GA

Complaint narrative:
XXXX XXXX XXXX continues to report an account they sold to XXXX XXXX XXXX XXXX XXXX. The Experian, Transunion and Equifax report confirms a {$0.00} balance and a closed status with {$31000.00} written off, yet they continue to report charge-offs each month as late as XX/XX/2023. This violates Metro 2 guidelines and FCRA 611 because XXXX no longer owns the account and can not report ongoing derogatory status. 

Their previous response to my CFPB complaint stated they could not locate the account. If they can not locate or verify the tradeline, it must be removed. Continuing to report CO ( charge-off ) every month after selling the debt is misleading, unverifiable, and negatively impacting my credit score. 

I am requesting full deletion of the XXXX XXXX XXXX tradeline from all credit bureaus, as they no longer own the account and are reporting it inaccurately and unlawfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
On XX/XX/year> @ approximately XXXX, TSI debt collector contacted my family member!!! I've asked them to stop calling me so now they're calling family members!! This is UNACCEPTABLE. They harassed me, now harassing family members for some kind of debt I don't even have any knowledge about. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Two fraudulent accounts have been opened in my name. I have gone to court ( see attached ) filed a police report. Please have TransUnion, Equifax and Experian remove both of these accounts from my credit reports immediately ( XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> for XXXX and XXXX XXXX XXXX XXXXXX/XX/year> for XXXX. Ive enclosed court records, police report, utility bill, my social security card and my license. Please remove accounts immediately. Thank you

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