vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: NCB Management Services Inc.

Complaint narrative:
Over the past 18 months, I experienced a period of unemployment that significantly impacted on my ability to meet financial obligations. Although I have since resumed employment, I am still working to recover and stabilize my finances. As a result, I am unable to comply with the extended payment plan you have extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
I am filing this complaint to address a fraudulent account that has reappeared on my credit report after previously being removed. This account does not belong to me and appears to be the result of identity theft or mixed information with another persons profile. Its reappearance is deeply concerning and damaging to my credit standing. I have already gone through the proper steps to dispute and remove this item once before, and the fact that its back on my report is a clear violation of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
Date : XX/XX/2025 Amount : {$2200.00} Issue : Cash App says funds were sent to XXXX  XXXX XXXX ( XXXX ), but it never arrived. 
Cash App : Refuses to investigate. 
XXXX  : States nothing was received ; no trace in account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I am submitting this complaint against Experian for failure to comply with the Fair Credit Reporting Act ( FCRA ) and FTC identity theft provisions. 
On [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ], I submitted to Experian an identity theft report along with my government-issued ID and Social Security card . These documents clearly show that certain accounts on my credit report were the result of identity theft. 
Despite providing all required documentation, Experian declined to remove or block these fraudulent accounts. This is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681c-2 ), which requires a credit reporting agency to block fraudulent information within four business days of receiving : 1. Proof of identity ; 2. A copy of an identity theft report ; 3. Identification of the fraudulent accounts ; and 4. A statement that the information does not relate to any transaction I made.

Experians refusal to act has caused ongoing harm, including inaccurate negative information remaining on my credit report, damage to my credit score, and emotional XXXX. 
I have attached my original identity theft report, proof of ID and SSN, and copies of my communications with Experian to show that I complied with all legal requirements.

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 2025-07-15 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: NM

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-15 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: AL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
This is in regards to National Credit system account # XXXX XXXXXXXX. I have reached out this company multiple times and no response. They are still illegally reporting this debt on my credit report. I know my rights as a consumer and I will get a lawyer involved if I must. This debt is hindering me from adequate housing which no human should have to deal with. I sent them a certified letter via postal service in XXXX and it is now XXXX. I will also be reaching out to the credit bureaus and if they don't handle this properly I will begin filing a suit with National Credit systems and the credit reporting agencies both for violating my rights. Starting with NCS the alleged debt was IMPOUNDED in the state of Illinois signed by a judge. Impounded '' means that access to the court record is restricted by court order to certain designated persons. An impounded court record is not available for public inspection. XXXX XXXX Supreme Court Rule 15 ( c ) ( 2 ) This means that this particular case and all its findings are only accessible to those that were involved. The mix up came from XXXX XXXX having a new property manager and who may have been unaware of the case itself. Uploaded are the courts legal documents showing impoundment. I ask that everyone involved do their due diligence and handle this expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I received a notice from True Accord to collect on an alleged debt. I ask the the said above please provide proper & legal validation of this alleged debt of {$240.00} Please cease & Desist all forms of communications. Please contact me by mail, only if you are providing legal validation of this alleged debt. I'm not saying that I won't pay this alleged debt, but please send me all documents that states I am indeed the person you are claiming this alleged debt belongs to. Statements are not proper nor legal validation or verification of a debt please see XXXX XXXX. vs XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Lost or stolen refund — 
Company: Kikoff Inc.
State: MI

Complaint narrative:
Hello Kikoff XXXX, I previously had a Kikoff account under the name XXXX XXXX XXXX. I used the product responsibly for 6 months to a year and made on-time payments. 

Recently, while trying to use an XXXX  in XXXX, it showed I had a {$450.00} balance, which I believe may be connected to a refund or leftover secured funds tied to my account. However, I see no refund option within the app. 

Id like a full review of my account to verify if I have any refundable balance, overpayments, or secured deposits available for return. Please let me know how to proceed. 

Thank you, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation

Complaint narrative:
They denied my modification without checking their updates for the account and are mishandling the entire account while being fair in the amount of time of completion and no explanation for why I can not redo the modification when there are clear miscommunications ans mishandling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Someone has compromised my identity and used it to try and gain benefits with any company that falls under there scam. This auto loan company named KIA is reporting an auto loan account which was opened on XX/XX/year>, without my authorization. I have requested the contract from KIA and it shows a fraudulent address with my name and last name, KIA is not sending me other information 's regarding this fraudulent account so I can have more evidence of false reporting data 's. Kia is reporting every personal information incorrect until I updated them on my actual email address, my actual number and address etc. I have filed an FTC report just now and the FTC number is # XXXX. The company has stated the account is accurate and verified it to be mine without showing me any evidence or proof, I was also promised to talk to the corresponding team regarding the decision made and they never reached out to me either. I am not sure what KIA is doing but they have been super unprofessional regarding this case.

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 2025-07-15 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: GA

Complaint narrative:
I discovered a collection account on my credit file that I did not authorize, initiate, or benefit from. This item is fraudulent and should never have been reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
To Whom It May Concern, This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
: Consumer Fraud Complaint Unauthorized Loan and Solar Panel Agreement Dear CFPB, I am reporting a case of suspected consumer fraud involving XXXX XXXX ( a solar energy company ) and Mosaic ( a loan provider ). A loan of {$31000.00} was fraudulently taken out in my name after I had canceled the solar panel project within the legally allowed 3-day cancellation period. 
Despite my explicit communication to cancel on XX/XX/year>, the loan remained active and is now being reported on my credit. I have documentation of all correspondence, including names of representatives, dates, and confirmations that were not honored. 
I respectfully request an investigation into the deceptive practices of these companies and any violations of consumer protection laws. 
Sincerely, XXXX XXXX XXXX XXXX ________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as my formal dispute of a collection account that I have no legal obligation to. I am requesting a reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: IA

Complaint narrative:
I was in a car accident and went to the doctors I received treatment and had given them my insurance information they kept saying they filed the claim and my insurance never received the claim this went on for almost two years I decided to get the doctors office on the phone directly with XXXX XXXX XXXX XXXX the doctors office never filed the claim once the claim was filed it was denied due to in timely claim filing but even though it was denied my in network member discounts still applied in this case the discount was for the full balance the doctor still sent me to collections and the collection agency says I still owe after disputing it and sending in the eob that shows a in network discount of the full bill and XXXX dollars for patient responsibility

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Friday XX/XX/XXXX I called XXXX to close my bank account with Bank of America and spoke to XXXX. I asked to close one of my BofA checking accounts and transfer the funds to my other bank of america account. 
XXXX said she was transferring the funds and then closing the account. She got back on the phone to explain it was completed. As I logged into into online banking to verify it had been done, XXXX hung up on me. Online I could see that the account had been closed, it was no longer available online, but the funds had dissapeared. the {$2000.00} had not been transferred to my other checking account. 
I had to call back and spoke to XXXX. Who said she could not transfer the funds. She said she had to send a request to ad " department '' that would take 3 business days for them to review the request to re-open the account. 
On XX/XX/XXXX I had to leave the country, as I had explained to both XXXX and XXXX, to be with my mom in the hospital. 
XXXX told me I could call XXXX while overseas, to talk to BofA ( mind you this is paid a international phone call to resolve and issue that was created by BofA ) I called the number on XX/XX/XXXX to find out why the money was not yet in my account.I spoke to XXXX, who transferred me to XXXX XXXX in sales ). XXXX told me that the money would be in my account on XX/XX/XXXX. 
She also told me someone called me from BofA Arizona and to return their call so they could confirm the request to re-open the account and transfer the funds. i did call on XX/XX/XXXX and many other times. As of XX/XX/XXXX I have called the arizona number 5 times and they have not returned my callXXXX It has been over 2 weeks and Bank of America has not given me my money. had it been the other way around, they would have charged me overdraft fees and etc. 
I need my money back and they need to pay me for my international phone call and for holding on to my money. I was going to stay a customer but I will close my other account as soon as they deposit my money in there. 
I am in the middle of a family XXXX  and have no energy to be dealing with the mismanagement of my money. Bank of America is horrible, they stole my money and will not help me!

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 monetary relief