vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Date Your Name Your Address Name of XXXXreditor/collection agency Address of creditor/collection agency ( from your credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is regarding the above-mentioned account, which you claim [ insert a derogatory condition here, such as I owe {$200.00} or my account was charged off {$800.00} ]. This is a formal notice that your claim is disputed. Please note that I am requesting validation ; that is competent evidence, showing that I have ( or ever had ) some contractual obligation to pay you. Please provide the record that reflects the process by which my signature was generated/executed. Any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA/FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : Your Name ( printed not signed ) Your Address Last XXXX of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I dispute and reject the claims made by XXXX XXXX XXXX and XXXX XXXX XXXX in their XX/XX/XXXX, response. They acknowledge that the underlying account was charged off by XXXXXXXX XXXX  on XX/XX/XXXX, and that they did not acquire it until XX/XX/XXXX. Yet they continue to report this debt as collectible without providing any of the legally required documentation under FDCPA 809 ( a ). No contract bearing my signature, no original account agreement, and no valid assignment from XXXX XXXX have been produced. Their refusal to provide the purchase and sale agreement further undermines their legal standing to report or collect this account. Additionally, they misrepresent IRS 6050P by ignoring the requirement to issue a 1099-C following a profit and loss charge-off, which further calls into question the legality of continued updates. The account is being updated monthly despite no consumer activity, constituting unlawful re-aging under FCRA 1681c ( a ) ( 4 ). This continued reporting is materially misleading and violates FCRA 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ). I respectfully request immediate deletion of this tradeline from all credit bureaus, as it is unverifiable, uncollectible, and reported in violation of federal law.

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 2025-05-05 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
on XXXX I saw a post a coworker on XXXX for friends and family, selling her uncles personal items to downsize before moving to a XXXX XXXX, First come first serve, if you wanted to hold an item for view on XXXX, you could send a fully refundable deposit to view item and if not purchased, you would get a refund. I did not question as this was a trusted coworkers account. I do not use third party payment services but agreed to do XXXX this one time since I trusted my old coworker. I learned later it was an imposter who hacked her account. The imposter led me through the XXXX process. The cleverly told me to use the friends and family option. ( Which I learned later is no longer covered by XXXX protection ) As soon as the transaction was confirmed the communications stopped and I knew I had been had. I immediately called my bank to decline payment, then XXXX to stop transfer, which they did not. Since then, we have been attacked by a brute force cyber attack and Identity theft. XXXX has been near useless in helping me get evidence to them to dispute the {$4500.00} balance on my XXXX account. I have spent 11 weeks and immeasurable hours securing our personal and financial accounts which are still under attack including having to purchases all new electronics and internet services. I have been sent to a debt collector even though XXXX  was fully aware and updated about my situation and inability to upload digital evidences. I asked for a mailing address and they denied. I am currently sending all my evidence and Criminal Reports filed at multiple agencies in hopes that the debt collector will follow through and forward the evidence to XXXX  to investigate. I do NOT have faith at this point that XXXX will even look at the evidence and I am asking them to clear my negative balance of {$4500.00} and go after the imposter that clearly violated XXXX own user agreement terms. Unfortunately, after much research, it appears that there is repetitive behavior on XXXX part, XXXX benefits from these imposter/scams and leaves victims high and dry. To make matters worse, their online platform is not helpful for victims at all. I have spent hours chasing chat bots on their website trying to talk with a live agent. I have a large packet of communication logs, screenshots and reports filed with the authorities. I am not sure what else to do. I have always been a financially responsible individual with a high credit score. This is just gross. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: National Credit Systems,Inc.
State: NV

Complaint narrative:
National Credit Systems is the collection agency who bought the debt of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I was in apartment XXXX XXXX XXXXXX/XX/XXXX I had three XXXX XXXX and was declared XXXX with XXXX XXXXXXXX XXXX and XXXX XXXX which left me XXXX not able to work anymore and could not live on second floor due to my condition and I needed to be closer to where I am getting care at. I gave a note from a doctor explaining my condition and my medical records show my condition they put me in collections for over {$6500.00} for breaking my lease I gave 30 day notice and provided paper in the state of Nevada its says if I become XXXX I can be let out my lease no penalties that was not the case they put me in collections. I was harassed by one of the reps from national credit systems was trying to get it fixed the reply was you should not got sick its not our problem you have to pay your debt I got no where I spoke with supervisor who apologized said he would look into it never heard back. I need help with this because I can not rent anywhere and will be XXXX I have to move where I am at because the rent prices have went up now I am not going to have home because of this collection on my credit report ask for your help in the matter thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX + XXXX + XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I want my credit report to only reflect accurate information and I hope you know that I take my credit seriously. It's frustrating for me because Ive worked hard to build my credit, and to see it negatively affected by inaccuracies that arent my fault is very disappointing. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me anxious.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have called capital one on five different occasions to speak with their customer service department as I recently paid off my balance with capital one on XX/XX/year>, I paid off {$1000.00}. I requested to have a capital one payoff letter that stated my account balance was zero the account number or the last four digits I received the letter however, my mortgage lender is rejecting the letter because its auto generated. I have called capital one multiple times to request a letter that my mortgage lender would approve as it can not be auto generated capital one is not willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XXXX, I enrolled in a national debt relief program due to financial difficulties stemming from the XXXX pandemic and medical issues affecting one of my children. Shortly after, I established a payment plan with XXXX XXXX for {$50.00} per month. However, my debt relief program advised me that they could manage the account more effectively, so I transferred it to their existing plan. 

When I contacted XXXX XXXX to discuss repayment options, considering my ongoing financial strain since XXXX, they refused to provide any account information, directing me to contact the national debt relief program instead. Without prior notice or collaboration with my debt relief program to initiate repayments under the new plan, XXXX XXXX served me with a summons, and I am currently being sued. This action came after their repeated refusal to discuss repayment options with me directly. 


I reached out to them repeatedly for the years of XXXX and XXXX to discuss reduced repayment options due to financial hardship and they refused to talk to me regarding my options, saying XXXX would have to reach out. However, instead of working with XXXX they sued 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 explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BUSEY BANK
State: IL

Complaint narrative:
XX/XX/XXXX My name is XXXX XXXX and I have been a member of Busey Bank in XXXX, XXXX since XXXX and I was accompanying my dad, XXXX XXXX who is also a member of said bank. On XX/XX/XXXX, we visited the Busey Bank located at XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX so that my dad could obtain a medallion stamp. XXXX XXXX waited on us and I told her that my dad needed to obtain a medallion stamp on some stock papers he had and as XXXX was looking over the papers my dad said to me he had to use the restroom so I politely asked XXXX where is the restroom and she said the restroom is not open to the public and she continue to look over the form and I told my dad told me again he had to use the restroom and could not wait and XXXX said and again the restroom is not open to the public. After the second time, I told XXXX this is XXXX 's dad ( XXXX XXXX is an employee at Busey Bank at XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX ) whom XXXX knows XXXX is an employee at Busey Bank. Once again, XXXX said the restroom is not open to the public. XXXX left the counter to speak with XXXX XXXX and after speaking to XXXX she tried to explain the form when my dad was trying to go to the restroom. I entrupted her politely and there was no concern for my elderly XXXX when he was trying to complete his banking. I had to leave and take him to another establishment to use the restroom and I had to come back to finalize the banking. Me and my dad was extremely upset that a person can treat and/or deny an elderly human being from using the bathroom.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc.
State: FL

Complaint narrative:
I HAVE APPLIED FOR A JOB AND IN MY BACKGROUND THERE ARE THINGS UNKNOWN TO ME : The current consumer reporting agencies are HireRight and XXXX. I recognize XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against my student loan servicer, MOHELA, for mismanagement of my account and false reporting to the credit bureaus, which has resulted in severe damage to my credit score.

MOHELA has inaccurately reported that I missed 90 days of payments, and subsequently placed my account in collections. This is incorrect. I had an active account with MOHELA, with autopay and correct banking information set up. There were sufficient funds in my account at all times, and I received no notification of any issue with payments processing.

Recently, when I attempted to log into my MOHELA account, I was told that it had been deleted. Upon reactivation, my autopay and banking information were still in placefurther indicating that the account was never properly managed or maintained on their end.

As a result of this false delinquency report, my credit score has dropped drastically to XXXX, and MOHELA is now claiming that I owe {$370.00}. This error has severely impacted my ability to apply for a home loan and begin the next chapter of my life with my family. The emotional and financial toll this has taken on me is significant. 



I am urgently requesting that : The late payments and collection status be immediately removed from my credit reports with XXXX, XXXX, and XXXX. 

MOHELA be held accountable for their lack of communication, account mismanagement, and incorrect reporting. 

My credit score be restored to reflect accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I called multiple times about forbearance and IDR after calling and making arrangements my credit score was got this has been several times. Now my credit is reflecting XXXX  as the loan holder but I call them and was told to call navient but can get a hold of them. I was never notified and a new loan holder.

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

Complaint narrative:
I want my credit report to only reflect accurate information and I hope you know that I take my credit seriously. It's frustrating for me because Ive worked hard to build my credit, and to see it negatively affected by inaccuracies that arent my fault is very disappointing. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me anxious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: MA

Complaint narrative:
TransUnion is reporting two charge-off accounts : one from XXXX XXXX ( Account No. XXXX ) and another from XXXX ( Account No. XXXX ), both with a reported balance of {$0.00}. This raises immediate red flags regarding the accuracy and relevance of this derogatory data. Reporting a charge-off with a zero balance implies that the debt has either been settled, transferred, or otherwise resolvedyet TransUnion continues to display it in a way that damages my creditworthiness. This failure to accurately reflect the current status of these accounts is a direct violation of 15 USC 1681e ( b ), which mandates that consumer reporting agencies maintain the maximum possible accuracy of consumer information. Additionally, TransUnion has not provided any supporting documents or verification to confirm the legitimacy of these accounts or that they were ever properly validated before reporting.

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 2025-05-05 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: GA

Complaint narrative:
I am writing to formally dispute several unauthorized and inaccurate hard inquiries listed on my credit report. I am requesting that immediate action be taken to investigate and remove these inquiries, as they are unjustified and negatively impacting my credit score and financial well-being

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 2025-05-05 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: GA

Complaint narrative:
I am writing to formally dispute several unauthorized and inaccurate hard inquiries listed on my credit report. I am requesting that immediate action be taken to investigate and remove these inquiries, as they are unjustified and negatively impacting my credit score and financial well-being

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
Suttell & Hammer has continued to pursue collection on a disputed and unverifiable debt after receiving multiple written notices requesting validation. They have failed to provide a signed contract, chain of title, or proof of assignment and instead only sent billing statements. Despite a cease and desist, they have now threatened litigation without legal validation, violating FDCPA 1692g, 1692c, FCRA 1681s-2, and TILA 1641 ( g ). I am requesting immediateintervention.

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