vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Mohela, my federal student loan servicer, engaged in deceptive practices : * Mishandled Public Service Loan Forgiveness ( PSLF ) program * Failed to process applications and provide timely information * Provided inaccurate payment calculations and income-driven repayment guidance * Maintained inadequate customer service and used call deflection tactics * Misled me about deadlines, repayment options, and loan status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
I disputed this account with Experian on or before XXXX XXXX XXXX, and the company has failed to provide any valid documentation. I requested verification of the debt and asked them to provide a signed contract, billing statements, or itemized proof that the debt belongs to me. As of today, the company has not responded with the requested documentation. 

The reported information appears inaccurate and possibly duplicated ( e.g., another collector is also reporting the same debt ), or the balance is inflated. I believe this debt should not be reported due to lack of verification and non-compliance with the Fair Credit Reporting Act. I am requesting that this item be removed from my credit report unless full validation is provided. 

This complaint concerns the following account : XXXX XXXX XXXX XXXX ( {$2400.00} ). Reported by : 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit Systems is reporting a {$7000.00} collection on my credit report related to a past eviction. I disputed the account and requested full validation of the debt under the Fair Debt Collection Practices Act. The documentation they provided was incomplete and failed to include key information like the original signed lease, itemized charges, or proof they have legal authority to collect this debt. I believe this account is being reported unfairly and possibly inaccurately, and Im requesting that it be removed from my credit report due to lack of proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Synchrony Bank closed my account due to too many hard inquiries. I got several hard inquiries shopping around trying to refinance my vehicle. I have never missed or been late on a payment and always pay considerably more than the minimum if not the balance in full. This same goes for every credit card I have.

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 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
Aldous & Associates artificially split one XXXX XXXXXXXX XXXX membership into two separate collection accounts ( {$120.00} + {$93.00} ) violating 15 U.S.C. 1692f ( FDCPA unfair practices ). Single membership contract can not legally be divided into multiple debts without authorization. This debt splitting creates false appearance of multiple obligations and violates 15 U.S.C. 1692e ( false representation of debt character ). Company failed to produce legal justification for converting single contractual relationship into dual collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) : XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX  Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

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

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filling a complaint against cash app ( Block inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ) Specifically, Cash App Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account unprotected and vulnerable.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E these actions has caused significant inconvenience and financial loss and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau, but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXX XXXX & XXXX FIN XXXX Balance : - XXXX XXXX Bankruptcy : Voluntary XXXX Reference # XXXX XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX & XXXX FIN XXXX Balance : {$0.00} XXXX Bankruptcy Court Chapter XXXX bankruptcy XXXX 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 2025-06-12 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau, but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXX XXXX & XXXX FIN XXXX Balance : - XXXX XXXX Bankruptcy : Voluntary XXXX Reference # XXXX XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX & XXXX FIN XXXX Balance : {$0.00} XXXX Bankruptcy Court Chapter XXXX bankruptcy XXXX XXXX # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: SC

Complaint narrative:
In XXXX of XXXX  Chime closed my account and sent me an email saying it was closed. I do not know the exact dollar figure that was in my account at the time but my balance was positive and I have yet to receive and written communication regarding my money. I emailed Chime 's customer service email several times and was told that the reason for account closure could not be disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
I paid off my account on XX/XX/XXXX. I received a letter by mail from Hyundai Motor Finance dated XX/XX/XXXX noting that they no longer had an interest in my car. I attempted to issue a title for my car through the Wisconsin DMV on XX/XX/XXXX but was notified that Hyundai Motor Finance was still holding the Lien and had not released it. The Wisconsin DMV told me they only accept electronic releases and that has been the case since XX/XX/XXXX so HMF should have been aware. I contacted HMF XX/XX/XXXX and notified customer service who informed me that they had placed a request and that I should have the lien electronically released within 5-7 business days. I called the Wisconsin DMV on XX/XX/XXXX who confirmed that they had not received the electronic lien release and encouraged me to file a complaint as it had been >30 days sine I paid off my account with the lien not being released. I called HMF on XX/XX/XXXX and spoke with their escalation department due to the persistence of this issue. I was told that the previous request had not been entered correctly which is why my lien had not been released. I was told I would be placed in contact with someone from HMF corporate in 3-5 business days and that my lien would be released within that time. I was asked about my preferred method of contact which I discussed was text. I called HMF on XX/XX/XXXX as I had not been contacted by corporate nor had my lien been released.

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 2025-06-12 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: DISCOVER BANK
State: CA

Complaint narrative:
I am reporting a fraudulent Discover credit card account that appears on my credit profile. I did not open this account, I did not authorize it, and I have never used it. It was opened without my knowledge and has reported as a charge-off with a balance of {$6200.00}.

The account shows activity and delinquency I was never responsible for. I only became aware of this account recently while reviewing my credit report. I have since filed an FTC Identity Theft Report and Im in the process of filing a police report as well.

I am requesting that Discover remove this fraudulent account from all credit bureaus and block it from being reported again under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I disputed this account with XXXX  on or before XX/XX/, and the company has failed to provide any valid documentation. I requested verification of the debt and asked them to provide a signed contract, billing statements, or itemized proof that the debt belongs to me. As of today, the company has not responded with the requested documentation. 

The reported information appears inaccurate and possibly duplicated ( e.g., LVNV is also reporting the same debt ), or the balance is inflated. I believe this debt should not be reported due to lack of verification and non-compliance with the Fair Credit Reporting Act. I am requesting that this item be removed from my credit report unless full validation is provided. 

This complaint concerns the following account : XXXX ( {$2400.00} ). Reported by : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I am filing this complaint because Spring Oaks Capital , LLC is reporting an inaccurate and misleading collection account on my credit report. The account originated from XXXX XXXX XXXX XXXX and is now reported as a debt buyer tradeline with the following issues : The account shows a {$1000.00} balance reported as paid off and 0 % owed, yet it is still being listed as past due and in collection status as of XX/XX/XXXX. This is inconsistent, contradictory, and violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and consistent data reporting. 
The account was opened in XX/XX/XXXX, but the status was updated in XX/XX/XXXX and the balance was updated XX/XX/XXXX. This suggests potential re-aging of the account, which is a deceptive and unlawful practice under FCRA intended to extend how long derogatory items appear on a credit report. 
The alleged debt includes interest and/or fees that exceed Louisianas legal interest rate limits, potentially violating Louisiana usury laws ( see La. R.S. 9:3501 et seq. ). I have not been provided a breakdown of the original amount vs. added charges, nor has the debt collector proven that the amount is lawful under Louisiana statutes.

Spring Oaks Capital is a third-party debt buyer and collector attempting to collect on an account in Louisiana, yet they are not licensed to collect debts in this state according to the Louisiana Office of Financial Institutions ( OFI ). Louisiana requires proper licensing for any third-party debt collection, and the absence of such licensing constitutes a violation of state law.

I never received any validation of debt as required under the Fair Debt Collection Practices Act ( FDCPA ). No written proof was provided showing the amount, how it was calculated, or that they have a legal right to collect it in my state.

I am requesting that the CFPB investigate these issues and confirm whether Spring Oaks Capital has engaged in : Unlicensed collection activity in Louisiana Illegal interest rate/usury violations False or misleading credit reporting practices, including re-aging Failure to provide debt validation under the FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: IN

Complaint narrative:
IVE BEEN ASKING THEM FOR THE LAST FEW YEARS TO REMOVE BOTH XXXX XXXX ACCOUNTS OFF OF MY RECORD!! ONE WAS CLOSED IN XXXX THE OTHER IN XXXX. BOTH ARE ALMOST 10 YEARS OLD!! THEY ARE BOTH TOO OLD TO STILL BE ON MY ACCOUNT!! TRANSUNION HAS BLATANTLY REFUSED TO REMOVE THEM, AND HAS BLATANTLY DENIED MY REQUESTS!!

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im contacting you because Ive found wrong and damaging information on my credit report, and Im not going to let it slide. This matter is urgent, and I expect it to be taken seriously and handled without delay.

Specifically, there is an entry on my report that is completely inaccurate and does not belong to me. Whether it was the result of clerical error, misreporting, or worseunauthorized or fraudulent use of my identitywhat matters now is that its false, and it needs to be removed.

I am officially disputing this information and demanding a full investigation and permanent deletion of the account in question. I never opened this account, never approved it, and have no connection to it. Its presence on my credit report is both incorrect and harmful, and it is affecting my creditworthiness through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
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 2025-06-12 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: TX

Complaint narrative:
I am contacting you to dispute and demand the immediate removal of a fraudulent credit inquiry that has appeared on my credit report. 

Let me be absolutely clear : I have no knowledge of this inquiry, I did not authorize it, and I never gave permission for any company to access my credit. This is a completely unauthorized action, and its presence on my credit file is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union reported multiple late payments on my credit card account, which they later closed. I was never properly notified that the account was in danger of delinquency or closure. I would have acted immediately if I had known. 

I contacted Navy Federal to request a goodwill adjustment or more information, and they told me there was nothing they could do despite being the ones who reported the information. They referred me to the credit bureaus, which I find unfair and unhelpful. 

I believe this reporting is incomplete and unfair under the Fair Credit Reporting Act due to lack of proper notice, and I am asking for a review and removal of the reported late payments.

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