vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
I received an email from NCB Management Services Settlement in late XX/XX/year> to send over {$500.00} to resolve a debt from XXXX XXXX that I do not have. The debt is for XXXX XXXX XXXX. My name is XXXX XXXX. I have never had contact with NCB Management Services Settlement or XXXX XXXX before but they emailed me about this debt anyway. 

So, I called the XXXX number on the email and spoke with a man from NCB Mamagement Services Settlement . I did not catch his name but I told him that I received an email from them for a debt I do not have. He asked me if I knew XXXX XXXX. I said no. He asked me if I lived in XXXX and I said I do. Then, I told him that just because I live in XXXX, it does not mean I know who XXXX XXXX is and that they should not send random emails to random people. He claimed that XXXX XXXX must have sent them my email address which does not even make sense since I do not know her and I do not give my email address out to people I don't know. I asked him how they got my email address. He claimed XXXX XXXX must have given it to them. When I said that I think they stole my email address, he told me he did not think that was what happened and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My Ally Financial auto loan was paid in full after my insurance company ( XXXX XXXX ) issued payoff funds in XX/XX/XXXX. The insurer deducted my {$1000.00} deductible from the settlement leaving a small balance. That deductible was part of my insurance contract, not my loan. Ally allowed me to enter into a payment installment arrangement for my {$1000.00} deductible balance and I made every payment bringing the account to a {$0.00} balance and closing it in XX/XX/XXXX. 
Despite this, Ally reported the account as a charge-off after I paid it off. This is inaccurate and misleading because : XXXX. The account was paid in full. 
XXXX. There was never any late payments. 
XXXX. Ally misrepresented an insurance matter as a loan default. 
Even worse, the account is being reported inconsistently across all 3 credit bureaus ; Allys letter says charge-off XX/XX/XXXX ; XXXX  says XX/XX/XXXX ; XXXX  recently inserted a charge-off status thats dated for XX/XX/XXXX ( re-aged last week ) ; XXXX  is reporting correctly Closed-Paid as Agreed-Never Late. No consistency across all 3 bureaus. This violates FCRA subsection 623 and Metro 2 accuracy requirements. The recent re-aging caused my XXXX  score to drop XXXX points causing me to be denied credit. 
When I contacted Ally, their representative told me that they can not remove a charge-off and its up to the credit bureaus to decide how they want to report it. Both of those statements are false. Ally furnishes the Metro 2 codes, and the FCRA does not require permanent reporting of inaccurate or misleading information. XXXX  and XXXX  have failed their duty under the FCRA subsection 611 by verifying inconsistent and contradictory information.

Finally, but most importantly, all of this occurred during the XXXX pandemic. My account was current when Ally placed me on a payment plan for the insurance deductible. Under the Cares Act and CFPB guidance ( XX/XX/XXXX ) accounts current at the time of an accommodation must continue to be reported as current. Ally instead coded the account as a charge-off for XX/XX/XXXX after I finished paying off the balance which is in direct violation of these protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: AR

Complaint narrative:
I am filing this complaint against TransUnion for reporting inaccurate and misleading information on my credit file. 

Specifically : XXXX. XXXX XXXX XXXX ( Auto Loan, Account # XXXX ) Reported simultaneously as a Repossession and as Current with a {$0.00} balance. 

These statuses are contradictory and can not both be true. 

I have already mailed certified documentation with proof of this contradiction to TransUnion, but I am filing this complaint to ensure regulatory oversight. 



XXXX. XXXX ( Closed Account ) Reported as Closed with a {$0.00} balance, yet still listed derogatorily. 

Once an account is closed and no balance is owed, there is no permissible purpose under FCRA 604 for continued derogatory reporting.

3. Other Inconsistent/Unresolved Accounts TransUnion has altered balances and comments on disputed accounts during reinvestigation without proper explanation or documentation.

This constitutes failure to ensure maximum possible accuracy under FCRA 607 ( b ).

Violations : FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation.

FCRA 607 ( b ) : Failure to ensure maximum possible accuracy.

FCRA 604 : Reporting derogatory information on closed/zero balance accounts with no permissible purpose.

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 2025-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX. I sent XXXX dispute letters requesting full validation of the alleged debt under the FDCPA. Over 60 days have passed, and the agency has failed to respond in any form. 
According to the law, they were required to cease collection activities and provide documentation verifying the debt. Instead, they continued to report the debt to Experian and did not send any supporting documentation. 
I included all supporting documents and communications in my dispute with Experian, but the account remained unchanged. 
I believe this violates both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Please investigate and hold this collector accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I was paying money on the account almost every week from XX/XX/year>2024 they tried to say I didnt pay any money on the car for 7 months when they was literally getting the money somehow the money overdrawn my account and I was trying to pay it but they repossessed my car without giving me an option or saying that my account was overdrawn because the money that I was giving them wasnt being collected. The company name is Santander consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Unauthorized inaccurate inquiries on my credit report.

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 2025-08-31 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: NC

Complaint narrative:
Unauthorized inaccurate inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I received an adverse action notice from Capital One denying my application for a Spark XXXX account. The denial was based on your reporting of inaccurate and incomplete information, specifically regarding delinquency history, account experience, and revolving account data.

This constitutes tangible harm under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ), and 1681n/o ). I have previously disputed accounts you are reporting ( including fraudulent and unverifiable accounts ). The continued reporting of false data has now directly resulted in a credit denial, loss of opportunity, and economic damages. 

You are hereby required to : XXXX. Conduct a reasonable reinvestigation of all disputed items under 611 ( a ). 
XXXX. Provide me with the method of verification for each account you claim to have verified. 
XXXX. Permanently delete any account you can not fully verify. 

Failure to comply will result in inclusion of this denial letter, along with your non-compliance, in my pending arbitration and federal complaint filings. 
Please note : You are now on notice of actual harm and damages caused by your reporting. 

You have been provided these accounts on multiple occasions!!!!!!!!!!! I empathize the grave harm and damages XXXX  has caused to XXXX XXXX!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
A prom dress was ordered online from XXXX. A late shipment was received that did not have the dress and instead had a bikini. I contacted XXXX immediately. They said its XXXX mistake and they will refund the money and I dont need to return anything because I did not receive the item. They did not refund the money so I asked my credit card company ( XXXX XXXXXXXX ) to dispute the charge. My credit card company declined the dispute because they were informed by XXXX that I did not follow the return policy. 
I contacted my credit card company again to dispute it and was declined again. 

I have a copy of my conversation with XXXX. They gave me in writing that they will give a refund. They did not keep their promise. 
I have evidence that I did not get the dress and yet Citibank refused to honor my dispute, even after I explained the situation to them and informed that I have evidence. 
XXXX is a fraud company and Citibank is aiding a fraud company.

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 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, my son asked me to co-sign for a loan on a car. Was rejected, do they tried another vehicle. The dealer and my son were trying to rush everything. They sent me more documents regarding the new vehicle. I tried to read through it all over the phone, but my son kept trying to rush me and because I knew how I filled out the initial loan request, I signed the paperwork believing/knowing I did not make enough money for it to go through. The also changed me to the main buyer which I tried to get changed back. I live in XXXX  and this was done in XXXX. I quickly received an email stating that I had bought this XXXX XXXX. I am panicking and looked at the paperwork. The dealership had changed my income from {$570.00} of Social Security to {$4800.00}. Reduced the amount of rent I am paying. Yes, I had good credit just because I paid everything off except my school loans which I can't afford to pay. The vehicle is in my son 's possession. 
I filed a complaint with the Attorney General of XXXX  on XX/XX/XXXX, but all they do is contact the loan company and can do nothing if the company doesn't want to. A Filed a complaint with the FTC on XX/XX/XXXX, report # XXXX, but they don't really do anything either. I contacted the Fraud Dept. for Ally Financial, but could not get any response finally until XX/XX/XXXX and gave me a case number XXXX. During all of this time, I have tried to contact other members of the dealership, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and Ally Financial without the ability to get anywhere. 
Now, my son has only had 2 payments go through, all of them have been late. He still does not have tags on it or paid the taxes, and the dealership gave him another set of temporary tags. This situation has made my credit go down over XXXX points. I have tried to get them to let me release the car since my son is obviously not able to pay for the vehicle. He is currently 2 months behind on payments with additional fees. I have told him to take the car back without any compliance. I am XXXX years old and do not own a car myself because I can't afford one. All during this time, I have tried to call and get some sort of resolution without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I am disputing multiple medical debts being collected by Gulf Coast Collection Bureau on behalf of XXXX and XXXX XXXX. 

Key facts : - I was treated in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At the time of service, the providers staff confirmed my insurance ( XXXX XXXX XXXX ) would cover the charges in full. No bill or denial was provided at that time. 
- Many months later ( 612 months after service ), I began receiving unexpected collection notices with different balances : {$350.00}, {$370.00}, {$340.00}, {$630.00}, {$270.00}, etc. 
- I sent multiple written requests ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) asking for itemized billing, insurance claim records, and validation. The provider and XXXX XXXX failed to supply proper debt validation as required by FDCPA 1692g.

- Instead, I received repeated collection threats and inconsistent account balances, but never the full documentation needed to verify the debt. 

Violations : - Failure to provide timely written notice of my right to dispute. 
- Failure to provide adequate information to verify the debt. 
- Misrepresentation of insurance coverage and amounts owed. 
- Ongoing collection activity despite dispute. 

Requested resolution : 1. Immediate cessation of all collection activity until full validation is provided.

2. Written confirmation that no negative credit reporting has been or will be made.

3. Investigation into the providers billing practices, which caused financial and emotional harm. 

I respectfully request CFPB assistance to ensure compliance with FDCPA and FCCPA and removal of these disputed debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: CL Holdings LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist Notice Regarding Alleged Debt To Whom It May Concern, I am writing to formally request that you cease all communication with me regarding any alleged debt you claim I owe. This letter serves as notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to request that a debt collector stop contacting me.

You are hereby instructed to cease all forms of communication with me, including phone calls, letters, emails, or any other method of contact. Should you believe that I owe this alleged debt, you may only contact me to inform me of one of the following : XXXX. That your collection efforts are being terminated ; XXXX. That you may invoke specified remedies which are ordinarily invoked by debt collectors ; or XXXX. That you intend to invoke a specified remedy. 
Be advised that failure to comply with this request may be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or the Attorney Generals office.

I request that you also provide written verification of the debt, as required by the FDCPA, including the name of the original creditor, the amount of the debt, and documentation supporting the validity of the debt, if you have not already done so. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: GA

Complaint narrative:
I am filing this complaint because inaccurate and fraudulent information has appeared on my Equifax credit report as a direct result of the 2017  Equifax data breach. My personal information was compromised without my consent, and I am now being held accountable for accounts and addresses that do not belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report. I have already disputed these accounts/addresses directly with Equifax, but they have failed to properly investigate or remove them. 

These items are the result of identity theft and data exposure beyond my control. I am requesting that the CFPB compel Equifax to : Delete the fraudulent and inaccurate accounts from my credit report. 
Remove any addresses that do not match my verified government-issued ID. 
Provide me written confirmation of the investigation and outcome. 

Please ensure that Equifax complies with the FCRAs requirements for accuracy, reinvestigation, and timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, which is reporting a fraudulent and unverifiable collection account on my consumer credit file. 

Creditor/Agency Name : XXXX XXXX XXXX Amount Reported : {$620.00} Status Reported : Collection Credit Bureaus Reporting : Experian, TransUnion, Equifax This account is not mine and has not been validated. I have disputed this item with the credit bureaus and submitted supporting documentation, including my identity theft report, government-issued ID, and proof of address. Despite this, the account remains on my credit file. 

Violations : FCRA 15 U.S.C. 1681c-2 ( 605B ) : Requires blocking of fraudulent/identity theft information upon receipt of an identity theft report.

FCRA 15 U.S.C. 1681i : Requires a reasonable reinvestigation of disputed information within 30 days.

FDCPA 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations regarding debt. 

By continuing to report this account, XXXX XXXX XXXX and the consumer reporting agencies are violating federal law. 

Requested Relief : Immediate blocking and deletion of this account from all credit reports. 

Written confirmation of deletion provided to me. 

Enforcement action against XXXX XXXX XXXX for repeated violations of the FCRA and FDCPA. 

This fraudulent collection account is harming my creditworthiness and financial standing. I request urgent CFPB intervention.

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 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XX/XX/scrub> 2025 Credence Resource Management , LLC XXXX. XXXX XXXX XXXX, MI XXXX Re : Cease and Desist Account No. XXXX To Whom It May Concern : I am writing in reference to the above-referenced account that you are reporting to the credit bureaus under the name Credence Resource Management .

This letter serves as a formal Cease and Desist under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I demand that you immediately cease all communication with me, including but not limited to telephone calls, letters, emails, and any other contact, except as permitted by law ( i.e., to advise me that you are terminating collection efforts or intend to invoke specific legal remedies ).

Additionally, I dispute the accuracy of the information you are furnishing to the consumer reporting agencies regarding this account. Please take notice that continued reporting of inaccurate or unverified information may constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, as well as the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: IL

Complaint narrative:
Equifax is reporting materially inaccurate information on a XXXX XXXX  credit card account, in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of Complaint : Equifax is reporting a XXXX XXXX  revolving account ( Account Number ending XXXX ) with the following contradictions : The account is listed as a charge-off ( XX/XX/XXXX ), but continues to show a balance of {$860.00} and an active past-due status. Once charged off, a balance should not continue to be reported. 

Equifax is reporting the account as being at 156 % utilization ( {$860.00} balance vs {$550.00} limit ) even though the account is closed/charged off. This is misleading and materially harms my credit. 

The account continues to show monthly late payments from XX/XX/XXXX through XX/XX/XXXX, long after the charge-off. This amounts to double penalization. 

The account also contains data gaps ( e.g., XX/XX/XXXX XXXX XXXX ) and inconsistent updates, making it unreliable and unverifiable. 

These inaccuracies violate FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( failure to correct after dispute ).

Company response to consumer: Closed with explanation