vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
On XX/XX/year>, I started to get messages to my phone ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Controls XXXX. They send an XXXX ID XXXX and asking to log into www.paycpc.com or call XXXX XXXX XXXX. After attempting to log the website require my SS and I did want to provide that because I do not trust the company. I call them and the associate was quite rude and demanded my birthday and I refuse for the same reason. 
Today XX/XX/year>, I receive another message, and I attempted to solve the problem The associate again demanded my birthday, and I just say give me the information about the debt and she refuse. Then she gave me to email addresses that does not match my email and told me that they might not match, but to give her my email or birthday. 
I said send the information by mail and she said already was sent XX/XX/year>. I recently purchase a home, and I was not living in that address. 
She said she won't send the information again. I believe this is a scam or a mistaken identity case. I told her if she reports me to the credit agencies, I will file a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CO

Complaint narrative:
I am filing a formal complaint against my federal student loan servicer, Mohela, due to their failure to provide required loan information despite multiple written requests and phone calls. 
Summary of Issue : * I first requested a detailed loan history, including all interest capitalization events, from Mohela on XX/XX/XXXX. 
* I followed up in writing on XX/XX/XXXX and XX/XX/XXXX, but I have not received the requested information. 
* I have also attempted to contact Mohela by phone on four separate occasions, but the hold times exceed five hours, making it impossible to speak with a representative. 
* As a borrower, I am entitled to full and accurate records of my loan history under the Higher Education Act ( 20 U.S.C. 1083 ( e ) ) and 34 C.F.R. 682.208. Mohelas failure to respond violates these regulations and prevents me from making informed financial decisions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account XXXX XXXX XXXX ... account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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:
This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account XXXX XXXX XXXX ... account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am filing a formal complaint regarding an outdated and unverifiable debt appearing on my credit report. XXXX is reporting a collection account with a balance of {$1300.00}, but this account is more than XXXX XXXX XXXX from the date of first delinquency. 



Violations of Federal Law : XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) This debt exceeds the XXXX reporting limit and should have been removed. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) XXXX5 U.S.C. 1692g I requested validation from XXXX, but they failed to provide sufficient proof that the debt is mine or legally enforceable. Under the FDCPA, they can not report a debt they failed to verify. 



I am requesting the CFPB to investigate this matter and enforce the removal of this unlawful debt from my credit report. This incorrect reporting is negatively impacting my credit, and I demand immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX & amp ; XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXXXXXX Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX  Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXXXXXX XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MOHELA
State: MN

Complaint narrative:
This is a XXXX complaint. There was not an obvious complaint type to select for my complaint. 

My complaint falls under XXXX because my rights were violated when XXXX XXXX and XXXX XXXX XXXX XXXX ( separated in case A I is screen this, I apologize that it's hard to read I also hate it ) illegally accessed my private education and student loan information. The privacy act of 1974 covers the dissemination of information about individuals that is maintained in " systems of records '' by Federal Agencies, including the Department of Education. This act prohibits the disclosure of records in absence of prior written consent from me. Exceptions are made on a need to know basis and the aforementioned group and individual did not need to know. 

They viewed my student loan data and which has broken the contract. I did not give permission for this to be shared with anyone. 

Sincerely, 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 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
From XX/XX/2025 To XX/XX/202XXXX XXXX XXXX XXXX has been charged at an insane amount from XXXX XXXX XXXX XXXX which are fraudulent transactions that have nothing to do with me. I have lost over XXXX dollars as Money Network has done NO security work and I have tried to contact them 2 months straight 24/7. No answers to my phone calls to ANY direct numbers and there are no wait times for contact, Ive tried to write a letter but I have received nothing in return. The transactions vary, they go from XXXX to XXXX and thats money I really need. XXXX can not do anything as they only process payments and the bank is in charge. I am utterly appalled with Money Network and its inability to protect my funds nor recognize fraud. They should be shut down

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 2025-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
My XXXX loan payment due on the XXXX of every month was paid on XX/XX/year> within the allotted XXXX day grace period. I always make additional principal payment when scheduling the monthly payment. However, this month, due to my suspicion of misappropriation of previous surplus principal payments to this loan, I made my additional payment to principal balance separately on XX/XX/year> and the organization took it upon themselves to deliberately misapply the additional payment to interest instead of principal. I have financed multiple vehicles over my lifetime and have obtained two mortgages as well. These loans have all been paid off by me before the end of the term because I always make additional payments to principal balances and once the monthly amount due is satisfied for that month any additional payments during THAT billing cycle but before the next date due, should reduce the principal balance. For example When I make my monthly mortgage payment I must click a button to agree to the terms that " I understand that any additional principal payment will be applied after all payments due have been applied, will reduce the unpaid principal of my loan, and can not be reversed or refunded. And I have agreed and confirm I have sufficient funds for this additional principal payment ''. As an FDIC insured entity Ally Bank should uphold the same guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: SC

Complaint narrative:
I was contacted repeatedly by a debt collector by the name of " Tek Collections '' regarding a loan of {$1400.00}. It has been placed on my credit report. I called them and they refused to provide any written details or verification of the account. The only options provided were to pay the full amount to them by XXXX or XXXX. XXXX was not pleasant. It was aggressive and threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: FL

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

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 2025-03-14 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: MD

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: DISCOVER BANK
State: OK

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX I was involved in a scam through XXXX XXXX The scammers posed as my friends to message me that my account had been hacked and I needed to call into a number she gave me to secure the account. I called in and ended up giving them a copy of my drivers license and she indicated that an FBI agent would need to contact me. After talking to my daughter, she thought it was a scam so I didn't answer the call from the so-called FBI agent XXXX Since I had given them a copy of my drivers license, I notified Discover and asked them to put a freeze on the account as my identity had been compromised. 

Then the next day, I tried to contact facebook security ( a phone number that came up with a XXXX search ) and while I thought they were security for XXXX it was actually another scam. The guy convinced me to do a screen sharing and told me he saw on my account that someone was purchasing gift cards at XXXX and he was going to take them off. He was instructing me to go in and delete these charges but instead, he was the one purchasing the XXXX gift cards through my apple pay. While I was on the phone ( thinking all the while he was helping ), Discover sent notices on my phone but the guy on the phone told me not to answer any texts or calls as this would cancel out all the progress. He had me on the phone for XXXX hours and the whole time I was convinced he was helping me. Not until I got off the phone and contacted my daughter, did I realize I was scammed again. However, I felt better knowing I had contacted Discover the day before to freeze my account. Then I receive a letter from Discover saying I am responsible for {$4000.00} in charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All three credit bureaus ( Experian, XXXX, XXXX ) continue reporting a XXXX XXXX auto loan with XXXX XXXX XXXX coding errors. The account shows " OK '' status in XX/XX/year> sandwiched between charge-off statuses in XX/XX/year> and XX/XX/year>. This violates fundamental credit reporting standards. Additionally, XXXX reports a high-credit amount of only {$3600.00} while the other bureaus show {$25000.00} - a {$21000.00} discrepancy that proves data corruption.

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 2025-03-14 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: MOHELA
State: LA

Complaint narrative:
I recently discovered that my student loan records were accessed or altered without my permission, and I believe XXXX XXXX was involved. I did not authorize any changes, transactions, or access to my loan information. This unauthorized action has affected my financial records and possibly my credit report. I request an immediate investigation into this matter and the removal of any unauthorized actions related to my student loans. Please advise on the next steps to correct this issue and protect my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
The debt that this company continuously calls me for was last paid on in XXXX of XXXX. As of XXXX of XXXX in the state of Ohio this debt is now void. In XXXX of XXXX I was placed on a hardship by this company for 90 days. 90 days from mid XXXX is mid-XXXX. I again received a letter stating that they had opened a case at the courthouse for this debt on XX/XX/XXXX. Not only have they done this multiple times prior, but they don't actually open a case, it's just used as a threat. I confirmed this with the courthouse themselves and they had no idea what I was talking about. When I reached out to the company about this they confirmed that it is just a threat. Furthermore, if I'm placed on a hardship for 90 days beginning in mid XXXX I would expect not to be contacted again until mid-XXXX. Furthermore though I wouldn't be contacted because I would assume that somebody at the company would do their job and see that the debt is void. I'm tired of all of the phone calls constantly from this company and now that the debt is void I expect absolutely no contact from them whatsoever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
XXXX XXXX, and The Department Of Government XXXX, without goverment clearance and without my consent, has viewed my federal student loan data, which has broken the contract of my federal student loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation