vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
Date of Incident : XX/XX/year> Company Involved : XXXX XXXX XXXXXXXX XXXX NCB Management Services Amount in Dispute : {$8500.00} I am filing this complaint regarding a billing issue that has resulted in inaccurate information on my credit report. Despite making my payments on time, XXXX XXXX XXXX failed to process a payment on XX/XX/year>. When I contacted customer service to resolve the matter, I was informed that there was no record of my payment, even though I had consistently made payments as required. 

Despite my efforts to address this issue, XXXX XXXX XXXX did not take corrective action, which led to a repossession that should not have occurred. As a result, NCB Management Services is now attempting to collect a debt of {$8500.00} that I dispute due to the original billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Original CFPB Case XXXX PayPal XXXX XXXX Account Number Ending in XXXX Resolution : Account Restored. 

New problem! Unable to access or use this account as a valid payment source when using Paypal. 

Paypal XXXX XX/XX/year> Paypal Customer Service XXXX Requested assistance restoring access to Paypal XXXX XXXX Account. Unable to resolve issue. Transferred to XXXXXXXX XXXX XXXX 

XXXX Customer Service. Unable to restore services- Redirected to Paypal XXXX XXXX. 

Paypal XXXX XXXX Unable to resolve issue instructed to call Synchrony Customer service. 

Called synchrony customer service at XXXX once again unable to restore services. Escalated to supervisor. XXXX unable to resolve issue, directed to call XXXX  Account XXXX at XXXX Call XXXX  account XXXX at XXXX Unable to resolve issue redirected back to Smart XXXX services. 

XXXX XXXX connect at XXXX, Once again, no resolution available. Customer service representative claims issue is based on a policy changes to XXXX XXXX account terms of service agreement and/or vendor/merchant policies. 

I just want to be able to use this account like normal

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 2025-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
My loans are currently in forbearance due to litigation surrounding the income driven repayment plans. It should be accruing zero interest. But they continue to charge me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: AZ

Complaint narrative:
I have disputed this account through all bureaus, XXXX deleted this account on my first attempt after finding errors, and incorrect information. XXXX deleted it on my second attempt after investigating for less than 24 hours the first time, and kept it on my report. To which I disputed it AGAIN demanding a thorough investigation to find the inaccuracies that were inevitably there. After about 2 weeks XXXX also deleted this account from my report. Here I am complaining about Transunion for " investigating '' and stating that its correct without ANY proof of this. I have gone in circles with this account from being mailed letters with a different first name but my same last name, completely off the wall amounts more than what is reported, I received a letter from credit corp stating this account was from XXXX, when its reported that it was XXXX. It ridiculous companies can get away with things like this, doing detrimental damage to my report. I'm asking that this account gets deleted once and for all. I am aware of the lawsuits against XXXX as well as XXXX and I don't think it would be a bad idea to investigate Transunion as well.

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 2025-03-02 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The fact that this account was considered a charge off and this company never sent me a 1099C as well as 42 USC 408 you are never supposed to ask for a social security number on any loan it's fraud and a violation of XXXX 42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 - Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain.

18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: KEYCORP
State: NY

Complaint narrative:
The fact that this account was considered a charge off and this company never sent me a 1099C as well as 42 USC 408 you are never supposed to ask for a social security number on any loan it's fraud and a violation of RICO 42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 - Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain.

18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: PA

Complaint narrative:
I called KOALAFI- XXXX and told them the charge is not mine. They asked for my Social Security number and I told them I would not give it to them. This lease is not mine. I will try to call West Creek Financial XXXX at XXXX again. This ; lease is identity theft.

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

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts ( 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 maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.

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 2025-03-02 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX XXXX XX/XX/year> The Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX Subject : Dispute of Credit Report Information under FCRA Section 1681o Dear Sir/Madam, I am writing to formally dispute an error on my credit report under Section 1681o of the Fair Credit Reporting Act ( FCRA ). I believe this error was caused by negligent noncompliance with the FCRA on your part, and I am requesting that you investigate and rectify the issue in accordance with the law. 

Upon reviewing my credit report, I noticed the following inaccurate information : XXXX XXXXXXXX XXXX XXXX  XXXX, {$690.00}, charged_off, XXXXXXXX XXXX XXXX XXXX {$12000.00}, charged_off, XXXX XXXX XXXXXXXX # XXXX, {$3800.00}, charged_off, and XXXX, {$5300.00}, sent to Collections The information listed above is either incomplete, outdated, or otherwise inaccurate, and as a result, it is negatively affecting my credit score and financial reputation. Please delete this inaccurate information immediately for a fair resolution to this issue.

Under FCRA Section 1681o, I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. As such, I request that you promptly investigate the validity of this information and correct or delete any erroneous entries in compliance with the FCRA. 

Please provide me with written confirmation of the results of your investigation within 30 days as required by the FCRA. If you find that the disputed information is incorrect, I ask that you remove or correct it and send me an updated copy of my credit report. Due to the failure of both Experian ( XXXX XXXX Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and Equifax ( XXXX XXXX XXXX, XXXX, GA XXXX ) to resolve these issues. 

If the dispute is not resolved, I will be forced to consider further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking civil liability for negligence under Section 1681o. This section holds credit reporting agencies or data furnishers liable for failure to comply with the requirements of the FCRA, including ensuring the accuracy of the information they report. 

Please contact me at XXXX or XXXX should you need further information or clarification. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 

Sincerely, 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 explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied a Chase credit card and there should be a welcome offer to give me points after I spent a certain amount of money before a certain date. Before the deadline, I called them and they told me that I already reached that bar, so I didn't spend any money using that card. However, I didn't get that points after some time, so I called them and they said I didn't spend the require amount of money, and they said they will help to escalate it and send me an email. However I didn't receive any email so I called them several times, every time they said they will help and email me, but every time I didn't hear any from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: PA

Complaint narrative:
Despite notifying the Credit Reporting Agency ( CRA ) the CRA has failed to conduct a proper and thorough investigation into the fraudulent activity. Instead, the investigation was a sham, done with no real effort to uncover the truth or resolve the issue. This negligent handling has caused significant damage to my credit, and I have yet to see any resolution. I believe the CRA has engaged in discriminatory practices, particularly against XXXX individuals like myself. The CRAs failure to properly investigate this fraudulent activity and the harm caused disproportionately impacts people of XXXX, further putting us at risk of financial harm. Please refer to the attached document regarding the Equifax Data Breach, which highlights the systemic failures of the CRA to protect and properly serve people in my community.

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 2025-03-02 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: PA

Complaint narrative:
Despite notifying the Credit Reporting Agency ( CRA ) the CRA has failed to conduct a proper and thorough investigation into the fraudulent activity. Instead, the investigation was a sham, done with no real effort to uncover the truth or resolve the issue. This negligent handling has caused significant damage to my credit, and I have yet to see any resolution. I believe the CRA has engaged in discriminatory practices, particularly against XXXX individuals like myself. The CRAs failure to properly investigate this fraudulent activity and the harm caused disproportionately impacts people of XXXX, further putting us at risk of financial harm. Please refer to the attached document regarding the Equifax Data Breach, which highlights the systemic failures of the CRA to protect and properly serve people in my community.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
Funds were sent to the wrong account and there were no disclosures stating once something like this happened it could no longer be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Trans Union and Equifax and XXXX are reporting wrong addresses. Ive asked for them to be removed on multiple occasions and they are still have Not been removed. I have provided the correct information under my name and social and ID also proof of address in Which I should be only showing one address, one name, one birthday on my credit reports in compliance with reporting the correct information on an individuals behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
There was a fraudulent charge for {$4500.00} on my Navy Federal Credit Union credit card, and instead of offering to help with a fraud claim, the representatives from the credit union repeatedly told me that I was not allowed to file a claim. It was not until today ( XX/XX/XXXX ) that I was informed that I actually DID have grounds to file a fraud claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score XXXX  XXXX ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-03-02 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score XXXX  XXXX ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Dear CFPB, I am filing a formal complaint regarding inaccurate delinquency reporting on my credit file related to my student loans. Nelnet incorrectly reported my loans as delinquent in XX/XX/year> to all three major credit bureausExperian, XXXX, and XXXX. This reporting is inaccurate for the following reasons : -My loans were in forbearance, meaning no payments were due at the time. 
-The loan balance was transferred from Nelnet XXXX XXXX ( a federal student loan agency ) in XX/XX/year>, meaning Nelnet no longer serviced or owned the loan at the time of the reported delinquency. 
-I have no recordelectronic or papershowing that any payment was due for the reported period. 
-There is no documentation indicating that I was required to make payments on the dates associated with the delinquency. 

Since this erroneous reporting has negatively impacted my credit score, I request CFPBs assistance in investigating this matter and ensuring that these inaccuracies are removed from my credit report. I ask that CFPB hold Nelnet and the credit bureaus accountable for reporting only verifiable and accurate information per the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt attention to this issue. Please keep me informed of any actions taken regarding my complaint. 
Thank you.

Company response to consumer: Closed with explanation