vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
Somebody opened this account XX/XX/year> for the amount of {$4700.00}. Never knew the account existed until I requested a copy of my credit report a couple of weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
LVNV FUNDING LLC. I have notified them that the debt that continues to be on my credit report after I let them know that I have a family member who is a XXXX  stole my personal information and opened up multiple accounts in my name, yet they will not removed it. 


XXXX XXXX XXXX XXXX is also in the same boat as the above listed collection agency I have notified them of the same thing and there is no police report because he was family and I didnt even know about the debt until this year when tried to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies reporting to my credit report. These remarks have been detrimental to my life and credit health

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I did not have this account it does not belong. I asked company to send all details and they refused. I asked for it to be removed and they refused that 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 2025-06-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I believe I was scammed by a company offering a debt relief program. They presented the program as a way to help me reduce my monthly payments and get out of debt, but they never clearly explained that all my credit card accounts would be closed, marked with late payments, and sent to collections. I would have never agreed to this if I had fully understood the consequences. 
I enrolled in a debt relief program, and I was told it would help me reduce or settle my debts. However, the company did not clearly explain that enrolling would result in all of my credit card accounts being closed and reported with late fees, charge-offs, and collections. I was not fully informed of the long-term damage this program would cause to my credit history. 

They made the program sound like a safe option to help me manage debt, but I did not authorize the negative reporting or fully understand the impact. Now, I have several accounts closed with numerous late payments and negative marks on my credit reports. My credit score has dropped significantly, and I feel misled. 

I am requesting that the CFPB investigate this companys practices and help me have the negative information ( late payments, charge-offs, and collections ) removed from my credit history since I did not knowingly agree to those consequences. 

I Was Misled and Scammed by a Debt Relief Program, My Credit Was Ruined Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: OH

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: NC

Complaint narrative:
Account Central Portfolio Cont # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
On XX/XX/XXXX, I submitted a Public Service Loan Forgiveness form with a wet signature from me and my qualifying employer. In my form, I selected " I believe I qualify for forgiveness now and request a forbearance while my application is being processed. I understand this period of forbearance will not count towards forgiveness, if the department determines I am not yet eligible for forgiveness. ". I submitted this form with the intention to update my qualifying payments AND submit for PSLF buyback as I've been stuck on the SAVE plan since XX/XX/XXXX due to litigation. If I were not stuck in the SAVE litigation and unable to make a qualifying payment, I should have been making my final 120th qualifying payment towards PSLF in XX/XX/XXXX. My PSLF form was " completed '' with no updates to my qualifying payments and no response to my attestation that I should be eligible for forgiveness via the buyback offer. Suspecting my buyback request would not be approved or answered, on XX/XX/XXXX I submitted an Income-Driven Repayment Plan Request to change from SAVE to PAYE ( another qualifying payment plan for PSLF ) so that I could make my final 4 payments should my buyback offer not be accepted. It has been 14 weeks and I have not received a response to my request. I submitted a complaint to Studentaid.gov who responded it was taking longer than the typical 45 days. No further information. I submitted another Public Service Loan Forgiveness form on XX/XX/XXXX, again with wet signatures from both myself and my employer and again, selecting that I believed I qualified for forgiveness, which per studentaid.gov, is supposed to trigger a buyback request. My PSLF was completed and my payment count was updated by one payment, but no response regarding my attestation that I believed I'd completed by 120th month of qualifying work. I believe Mohela is intentionally being negligent with our loans, intentionally keeping us in forebearance and intentionally not responding to requests. I'd like support with this issue. I have worked 10+ years at a qualifying non-profit, have made all of my payments on time and am being prevented by Mohela to have my loans forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander Bank illegally froze my account and gave me unreasonable responses every day My account with XXXX USD was restricted by them, they kept saying they were reviewing it and didn't give me time.

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 2025-05-31 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: MN

Complaint narrative:
Experian is reporting inaccurate, unverifiable, and unauthorized information on my credit report. This includes multiple addresses I have never resided at, inaccurate late payments on accounts that were paid on time ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX unauthorized hard inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX ), and unvalidated collection accounts XXXX XXXX XXXX XXXX  and XXXX XXXX Collection ) XXXX In addition, unvalidated charged off ( XXXX XXXX  XXXX  ( Account charged off as of XX/XX/year> ) I submitted a formal written dispute to Experian requesting investigation and correction. They failed to respond within the XXXX timeframe required by the Fair Credit Reporting Act ( FCRA ), and no action was taken to verify or remove the inaccurate data. This constitutes clear violations of : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to reinvestigate disputed items 15 U.S.C. 1681s-2 ( b ) Failure to correct or delete unverifiable data 15 U.S.C. 1681b ( f ) Reporting unauthorized hard inquiries These violations are supported by multiple case laws, including : XXXX XXXX XXXX XXXX XXXX Reinforces duty to reinvestigate XXXX XXXX XXXX XXXX  XXXX XXXX must be deleted XXXX XXXX Experian Data must be corrected or removed if unverified XXXX XXXX XXXX XXXX XXXX XXXX XXXX the credit agencys legal obligation Experians continued reporting of these items is unlawful and damaging. I am requesting the CFPB to enforce immediate deletion or correction of all disputed information and to ensure Experian complies with federal law moving forward.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CashRepublic Holdings, Inc.
State: IL

Complaint narrative:
I previously had a charged-off account with XXXX XXXX that was fully paid and resolved years ago. The account has been reporting negatively on my credit report for over 6.5 years. According to the Fair Credit Reporting Act ( FCRA ), negative items can only remain for 7 years, and this account is due to be automatically removed from my credit reports in XX/XX/year>. 

Despite having paid the account in full and requesting a goodwill deletion multiple times from XXXX XXXX, the account continues to appear and negatively affect my credit standing. I do not owe any money, and I believe that it is unnecessarily punitive and harmful for this account to continue reporting for the remaining few months. 

I have contacted XXXX XXXX directly with written and verbal requests, and they have refused to remove it or even consider an early exclusion.

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 2025-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: GA

Complaint narrative:
I was applying for the loan I gave my full name, employment details and social security I answer other small question regarding the reason for the loan and after I got approved it told me within the hour I well received my funds I login into my account and and took At look my agreement plan I noticed that on my plan it stated I had to pay back {$4600.00} I was thinking why do I have to pay back {$4600.00} dollars when my loan was only {$1200.00} XXXX look at my rate and it was XXXX XXXX  and I pay twice a month for XXXX $ never in my XXXX XXXX XXXX living I have seen a loan rate that high. when signing up for the loan it doesnt say what interest rate you are approved for it just says you have been approved for the amount!. this company is literally scamming people and forcing them to pay in such a short time. Im Currently on a plan right now and I will be calling them Monday.. THIS IS predatory lending!!!!

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 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I made multiple on-time payments to Capital One through their mobile app using my checking account ending in XXXX. These payments were : {$100.00} on XX/XX/scrub>XXXX XXXX XXXX {$100.00} on XXXX XXXX XXXX {$53.00} on XXXX XXXX XXXX All payments cleared my bank, which had more than enough funds available. I have official XXXX XXXX XXXX XXXX bank statements showing no overdrafts, no returned ACH, and a consistent positive balance. However, Capital One returned all three payments, marked them as unpaid, and charged me late fees ( {$25.00} on XXXX XXXX and {$40.00} on XXXX XXXX ). 

On top of that, Capital One falsely reported my account as 30 days late on my credit report for XXXX XXXX This is inaccurate and damaging. I requested an explanation, reversal of fees, and correction of my credit report. Capital One told me the issue was insufficient funds, but provided no proof despite my bank showing otherwise. Their response was dismissive and unresolved. 

This has caused stress, financial harm, and credit damage. I am now at risk of denial for future credit due to their inaccurate reporting. 

I am requesting : 1. Full reversal of fees and returned payment records 2. Immediate removal of the 30-day late mark from all credit bureaus 3. Written confirmation that my account has been corrected I have uploaded the dispute letter, screenshots of the returned payments, my bank statements, and a screenshot of my XXXX  credit report showing the 30 day late mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
According to XXXX XXXX XXXX I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with the credit bureaus and it's coming back as updated and verified without the proper investigation. The company failed to send me any of the information requested, even with my other complaint verification of debt was never sent, the ORIGINAL contract bearing my signature and explanation of the amount, and how it was calculated. 

Comenity BankXXXX XXXX XXXX : {$530.00} Opened XX/XX/XXXXXXXX XXXX  Report # XXXXXXXX XXXX XXXX  Amount : {$660.00} XXXX XX/XX/XXXXXXXX XXXX  Report XXXX XXXXXXXX XXXX XXXX Amount : {$200.00} Opened XX/XX/XXXXXXXX XXXX Report XXXX XXXX I have tried contacting Comenity by mail and disputed with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Requested debt validation back in XXXX midland credit management filed a lawsuit back in XXXX it was counted twice their attorney requested they send me debt validation in court in XXXX had court again in XXXX midland credit management had three accounts they were trying to sue me for in civil court they withdrew the lawsuit when they didnt provide debt validation to me or their attorneys in court I contacted XXXX XXXX XXXX about removal from my credit report and they did not remove anything when I sent them a copy of the lawsuit being withdrawn in court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXXXXXX  To : Equifax TransUnion Experian Subject : Formal Dispute, Demand for Deletion, and Notice of Legal Liability Identity Theft FTC Report # : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of multiple hard inquiries and collection accounts listed on my credit reports, which are the result of identity theft. These accounts were fraudulently opened and inquiries initiated without my knowledge or consent, as outlined in my Federal Trade Commission Identity Theft Report # XXXX. 

Fraudulent Accounts and Inquiries : Hard Inquiries ( Unauthorized ) : 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 These entries violate my consumer rights under : 15 U.S.C. 1681b No consumer report shall be obtained for purposes not authorized by the consumer.

15 U.S.C. 1681e ( b ) Requires reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) You must reinvestigate and remove or correct inaccurate information within 30 days. 
15 U.S.C. 1681c-2 / 605B Requires the blocking of information resulting from identity theft.

15 U.S.C. 1692g & 1692e Debt collectors are prohibited from continuing collection without proper validation and from misrepresenting debts.

Furthermore, under the Doctrine of Estoppel by Silence ( Engelhardt v. Gravens, Mo. 281 SW 715, 719 ), your failure to properly validate or respond can be seen as an admission that no legitimate claim exists. You are now on official notice. 

Demand : 1. Immediately delete the above-listed fraudulent inquiries and accounts from all three credit bureaus ( Equifax, TransUnion, Experian ).

2. Confirm deletion in writing within 30 days of receipt of this letter.

3. Be advised that continued reporting of these fraudulent entries constitutes willful noncompliance, and I reserve the right to pursue monetary compensation for damages under 15 U.S.C. 1681n and 1681o, including {$1000.00} per violation plus punitive damages.

Preserving Rights Under UCC 1-308 Without prejudice and under UCC 1-308 , I reserve all rights to pursue further legal action and remedies if this matter is not resolved promptly and lawfully. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

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 2025-05-31 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXXXXXX  To : Equifax TransUnion Experian Subject : Formal Dispute, Demand for Deletion, and Notice of Legal Liability Identity Theft FTC Report # : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of multiple hard inquiries and collection accounts listed on my credit reports, which are the result of identity theft. These accounts were fraudulently opened and inquiries initiated without my knowledge or consent, as outlined in my Federal Trade Commission Identity Theft Report # XXXX. 

Fraudulent Accounts and Inquiries : Hard Inquiries ( Unauthorized ) : 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 These entries violate my consumer rights under : 15 U.S.C. 1681b No consumer report shall be obtained for purposes not authorized by the consumer.

15 U.S.C. 1681e ( b ) Requires reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) You must reinvestigate and remove or correct inaccurate information within 30 days. 
15 U.S.C. 1681c-2 / 605B Requires the blocking of information resulting from identity theft.

15 U.S.C. 1692g & 1692e Debt collectors are prohibited from continuing collection without proper validation and from misrepresenting debts.

Furthermore, under the Doctrine of Estoppel by Silence ( Engelhardt v. Gravens, Mo. 281 SW 715, 719 ), your failure to properly validate or respond can be seen as an admission that no legitimate claim exists. You are now on official notice. 

Demand : 1. Immediately delete the above-listed fraudulent inquiries and accounts from all three credit bureaus ( Equifax, TransUnion, Experian ).

2. Confirm deletion in writing within 30 days of receipt of this letter.

3. Be advised that continued reporting of these fraudulent entries constitutes willful noncompliance, and I reserve the right to pursue monetary compensation for damages under 15 U.S.C. 1681n and 1681o, including {$1000.00} per violation plus punitive damages.

Preserving Rights Under UCC 1-308 Without prejudice and under UCC 1-308 , I reserve all rights to pursue further legal action and remedies if this matter is not resolved promptly and lawfully. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

Company response to consumer: Closed with non-monetary relief