vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Dear NCB Management, I hope this letter finds you well. I am writing to request a review and removal of a negative mark on my credit report associated with the voluntary surrender of my vehicle in [ XXXX  ], which was related to account number [ XXXX ]. 

In 2023, I faced significant financial hardship due to a combination of losing my job and dealing with serious health issues. As a result, I made the difficult decision to voluntarily surrender my vehicle, hoping this would help alleviate some of the financial burden I was experiencing. 

Unfortunately, I later discovered that the account was sold to another creditor, and I was unaware of this at the time. I did not receive any communication or notification from either the original creditor or the new creditor regarding the sale of the account, and I was unable to address the matter proactively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: CA

Complaint narrative:
My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my report right away. I was made aware of a lawsuit filed by the CFPB against the credit bureaus alleging that consumer disputes are not being handled correctly. I request my dispute be handled per the lawsuit guidelines, if not, please include me in the lawsuit against the credit bureaus. Please remove these accounts from my file.

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 2025-03-16 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: FL

Complaint narrative:
Mohela switched over to a new site. I made a new account like it told me to. And it wouldn't create one because I had an existing account. I was able to retrieve my user name. But then when I take my information to reset my password. I put in the same info and add my user name and it tells me my account doesn't exist. Now my credit report shows I'm 90 days past due. I've tried call multiple times. I've been on hold for hours on end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 vulnerable and unprotected. 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
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 2025-03-16 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:
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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
The company is resurgent for different amounts XXXX XXXX, XXXX and there is two more accounts with the same company with XXXX  XXXX and XXXX  XXXX  I still looking for all the information when I find them I will submit them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: MA

Complaint narrative:
All of my students loans through the servicing provider Mohela, were illegally accessed by XXXX XXXX and the DOGE. I did not provide them with consent to view or possess my information, and as these are student loans, this is a violation of FERPA. 

All accounts have been disputed with all 3 credit agencies and the the Student Aid Privacy agency of the Federal government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Open Dealer Exchange, LLC
State: NV

Complaint narrative:
In XX/XX/year>, my husband and I purchased a XXXX XXXX XXXX. Subsequently, we received a " Notice of Adverse Action '' from a company identified as 700 Credit, XXXX XXXX XXXX, XXXX, Michigan XXXX. My XXXXredit score was listed as XXXX, however, the letter seemed to indicate that we were denied credit because of the following issues : Insufficient length of time credit had been established Too few accounts currently paid as agreed Ratio of revolving account balance is too high We simply asked for clarification of these issues since our current credit score and credit reports do not reflect this information. Further, I am concerned that the publication of this letter could have a future adverse effect on my credit score. 
The company has received a request sent by registered mail to provide clarification of the " Notice of Adverse Action '' letter. To date we have only received an offer of a free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute to Transunion and Experian on XXXX XXXX XXXX after receiving a credit alert notification of a derogatory item being reported on my TransUnion and Experian credit report. 
Transunion and Experian are reporting inaccurate information that my XX/XX/XXXX payment status is " 30 days late ''. 
The account is with XXXX XXXXXXXX ACCOUNT # XXXX. Transunion and Experian are reporting the XX/XX/XXXX payment status as " OK '', however, Transunion and Experian also report the last payment date was XXXX XXXX, XXXX. There were not even 30 days in XX/XX/XXXX to have been 30 days late, in addition to the account already being paid in full XX/XX/XXXX. 

After contacting Transuion and Experian, I was told to file an online dispute.

In the dispute submitted to Transunion and Experian on XXXX XXXX XXXX, I included proof of the XXXX XXXX account being paid off in full on XX/XX/XXXX. Transunion and Experian responded to the dispute as " accurate and verified ''. Transunion and Experian are still reporting inaccurately by reporting XX/XX/XXXX as 30 days late. 

I have been denied credit by two companies on XX/XX/XXXX and XX/XX/XXXX, due to Transunion and Experian reporting this inaccurate information. I will include the denial letters. Both denials state the first reason for the denial was based on recent delinquent reporting on my credit report.

My credit payment history is excellent and has been for many years. Transunion and Experian 's inaccurate reporting is causing me unnecessary hardship and undue stress.

Please have Transunion and Experian report this account as " Ok '' current, or remove the inaccurate reporting of 30 days late.

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 2025-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a collection for {$2000.00} from synchrony bank. However I had no acknowledgment of this transaction neither did I authorize it making this fraudulent. This is impacting me significantly, I would like for you all to investigate and to look into this matter thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
On XXXX I sent my second request for proper documentation and validation of a account that aint mine to portfolio recovery they continue to harass and send someone elses debt they are ruining my credit by reporting to credit bureau . I want them to stop and delete this bad alleged debt I sent a request for proper verification of chain of title purchase agreement with my name and signature of anything I agreed to pay I never agreed to pay portfolio recovery nothing they are violating my rights. Which is identity theft and fraud. Delete this account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My bank XXXX had a huge cyber attack and I am now noticing these lines of credit on my report that arent my inquiry. There was a {$400.00} line of credit with XXXX opened, there was also something about a midland credit and XXXX XXXX I havent had an account with XXXX XXXXXXXX since XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: MA

Complaint narrative:
All of my students loans through the servicing provider XXXX, were illegally accessed by XXXX XXXX and the DOGE. I did not provide them with consent to view or possess my information, and as these are student loans, this is a violation of FERPA.

All accounts have been disputed with all 3 credit agencies and the the Student Aid Privacy agency of the Federal government.

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 2025-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
Called today XX/XX/year> to ask why they charged me even though Ive been asking them to send me verification of debt before charging me. 

I canceled the payment arrangement last month ( to stop the payment this month and it said I was successful in canceling the payment they just took without permission and all future payments ) because I hadnt received the verification I asked for.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I am disputing the account being reported by Midland Credit Management for the following reasons : This account does not belong to me. 
The balance being reported is inaccurate. 
There is no valid agreement or binding contract for this account. 
I have no prior knowledge of this debt, and you have not provided sufficient proof that it belongs to me. 
No purchase agreement has been presented to verify the legitimacy of this account. 

I formally request a copy of the original contract with my signature as proof of my obligation to this debt. If you are unable to provide proper documentation, I request that this account be removed from my credit report immediately. 

Please provide a response within the timeframe required by law. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
The inaccurate information that pertains to a Charge off that appears on my credit report, according to the information provided does not belong to me, and I believe it has been mistakenly reported. The specific details of the charge off that I disputed are, 1.Inaccurrate information 2.Comments 3.Payment history 4.Last reported 5.Date open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
The inaccurate information that pertains to a Charge off that appears on my credit report, according to the information provided does not belong to me, and I believe it has been mistakenly reported. The specific details of the charge off that I disputed are, 1.Inaccurrate information 2.Comments 3.Payment history 4.Last reported 5.Date open

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 2025-03-16 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Requested purchase agreement and origination of debt with wet signature and notification information. Was threatened to be sued, with aggressive phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
Mohela is my current student loan servicer, my account is in forbearance and interest rate is added to my account. I am requesting that it be reviewed. XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$62000.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$210000.00} XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$62000.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$210000.00} XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: SC

Complaint narrative:
I recently reviewed my credit report I am dnotieced there are several accounts that are not mine. I do not recognize the accounts listed below. 


XXXX XXXX XXXX  Account number-XXXX XXXXXXXX XXXX XXXX Account Number-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 explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
all three credit reports over 200 inquiries on three credit bureaus are reporting all inquiries are fraud account and /or inquiries all three credit bureaus refuse to remove them all police report is attach case 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 explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$0.00}

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