vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am filing a complaint about National Credit Systems , Inc., which is reporting account XXXX and contacting me about an alleged debt. I dispute this account and I believe the debt collector has violated the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c, in the following ways : 1. I provided written notice that the collector should cease communications ( or I am now providing that notice ) under 15 U.S.C. 1692c ( c ) the collector must stop communications except to notify me that it intends to take specific legal action. The collector has continued communications ( or has not validated the debt ) after the applicable notices.

2. The collector has communicated about this account to third parties ( or used third-party vendors ) in connection with collection ; 15 U.S.C. 1692c ( b ) prohibits communications with third parties except in narrow circumstances. I believe communications with third parties ( or their vendor ) occurred without my
consent. Recent appellate decisions have found such third-party communications can violate 1692c. 
3. The collector reported account XXXX to the credit reporting agencies without verifying the debt and after failing to provide validation when requested ; this has caused harm to my credit report. 

I am attaching copies of the following supporting documents : certified-mail receipts, and a copy of my Id for identification verification. My SSI # is XXXX Relief requested : I request the CFPB XXXX investigate and require National Credit Systems , Inc. to : ( 1 ) cease unlawful communications with me pursuant to 15 U.S.C . 1692c ; ( 2 ) verify the alleged debt or withdraw its claim ; ( 3 ) if the debt can not be verified, delete the account XXXX from all consumer reporting agencies; and ( 4 ) identify any third parties with whom the collector communicated about my account and confirm whether those communications were permitted under the FDCPA. 

On XX/XX/year>, I sent a certified debt validation request to NCS under 15 U.S.C.

1692g ( b ) ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ) requesting verification of the alleged debt. 

Tracking # : XXXX ( XXXX ) Delivered : XX/XX/year> at XXXX XXXX, signed by " XXXX. XXXX  '' Exhibits Provided : AH Table Of Contents : Exhibit A : Original debt validation request sent to National Credit Systems EXIBIT B ORIGINAL SHIPPING RECEIPT EXIBIT C PROOF OF DELIVERY EXIBIT D1 TRACKING HISTORY 1OF 2 EXIBIT D2 TRACKING HISTORY 2 OF 2 EXIBIT E COPY OF MY LICENSE FOR VERIFICATION EXIBIT G DISPUTE TO XXXX  EXIBIT H DISPUTE RESULTS FROM EXPERIAN EXIBIT H 2/4 DISPUTE RESULTS FROM XXXX  EXIBIT H 3/4 DISPUTE RESULTS FROM XXXX  EXIBIT H 4/4 DISPUTE RESULTS FROM XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion are reporting inaccurate, unverifiable information and unauthorized hard inquiries on my credit reports. 

There are several accounts being reported as charge-off or collection that are not supported by any original signed contract, billing statements, or proof that the debt is valid and legally owed. I requested verification and proper documentation, and the credit bureaus only responded with automated form letters. This violates the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), which requires a reasonable investigation and proof, not generic responses.

In addition, multiple companies accessed my credit without my knowledge or written consent. These inquiries do not have a permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ), yet they remain on my reports, damaging my credit score.

I am requesting that the CFPB require the credit bureaus to : Provide proper documentation with my signature showing that I authorized these accounts and inquiries, OR Permanently delete the unverifiable accounts and unauthorized inquiries from all credit reports.

This situation is affecting my creditworthiness and my ability to obtain housing, credit, and fair financial opportunities. I have attached a copy of my ID, proof of address, and pages of the credit report showing the accounts and inquiries in question.

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 2025-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Unsolicited mail said if I open an account will receive {$300.00} which I did and did not receive {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lentegrity Management, LLC
State: GA

Complaint narrative:
I have a XXXX XXXX with LENTEGRITY LLC., in XXXX this car was totaled in an accident because there was no gap coverage. I was left with an deficiency balance. once my insurance company paid there portion. I continued to make payments as I normally would on the balance that was left. the company granted me a deferral payment for the month of XX/XX/year> that they placed to back of the loan. I then continued to make my normal payments starting XXXX XXXX which I have made every payment since I have never missed a payment with this company. on XX/XX/year> I received an alert from the credit bureaus that I have a new account reporting a charge off. I have never received any thing from the company about my account in jeopardy of being charged due to the fact the account is still getting paid on. I am asking that this creditor DELETE this status as it has caused significant damage to my credit rating. and update this account to never late and paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
The investigation left several inaccurate accounts and collections

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
I am filing a complaint regarding Heights Finance ( also known as XXXX XXXX ) and its affiliated debt collector XXXX XXXX XXXX for illegal and abusive loan and collection practices. 

The company pushed borrowers into repeated refinances and fresh start loans that increased balances, added new fees, and extended repayment periods the same behavior currently cited in the CFPBs lawsuit against Heights Finance for illegal loan-churning practices. 

I sent certified dispute letters to XXXX XXXX and XXXX on XX/XX/year>, requesting validation of an alleged account that contains inaccurate and conflicting balances. No proper validation was ever received within the required 30-day period, yet the account remains on my XXXX  and XXXX  credit reports while XXXX  deleted it. 

This violates the Fair Debt Collection Practices Act 809 ( b ) and the Fair Credit Reporting Act 623 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TN

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CO

Complaint narrative:
I am filing this complaint regarding NAVY FEDERAL CREDIT UNION inaccurate reporting of late payments. I paid my account on time, and even after confirming receipt of my payments, NAVY FEDERAL CREDIT UNION continues to report them as late. I have attempted multiple times to get a corrected report, but their responses have been inconsistent. This misinformation is impacting my creditworthiness. I request CFPBs assistance in having NAVY FEDERAL CREDIT UNIONverify or correct these entries immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding Citizens Bank, which has unfairly closed my account and is currently withholding my remaining balance of {$2200.00}, which I urgently need access to. 

On XX/XX/year>, I attempted to log into my Citizens Bank mobile app to check my funds, but I received an error message stating that my account was inaccessible. I immediately contacted customer service that same day. The representative informed me that my account had been closed and that I would receive a letter in the mail, along with a check for my remaining balance, within 10 business days. 

I received the closure letter on Friday, XX/XX/XXXX, confirming that my account was indeed closed. However, as of XX/XX/XXXX, I have not received my check. I am a victim of the recent government shutdown and am in desperate need of my funds to manage my living expenses. 

To make matters worse, when I called Citizens Bank on XX/XX/XXXX to follow up, an agent named XXXX laughed at my situation and falsely claimed that my account was still open. This contradicts both the written letter and what previous representatives told me. My card no longer works, and I can not access my account through the app, clearly indicating that it has been closed. 

After reporting XXXX unprofessional behavior, I called again and spoke with another representative who told me that, if I received the closure letter, my check should arrive within 510 business days. However, given the conflicting information and the banks failure to meet its original timeline, I no longer have confidence that Citizens Bank will send my funds promptly. 

Citizens Bank has disrupted my financial stability during a critical time and shown a lack of professionalism and accountability. I am requesting that the CFPB help ensure that Citizens Bank immediately releases my {$2200.00} balance and investigates the handling of my account closure and the mistreatment I experienced from their customer service staff. 

Thank you for your time and assistance in resolving this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
PORTFOLIO RECOVERY ASSOC is reporting inaccurate information for account XXXX  XXXX by violating the permissible reporting period rules. The Date Major Delinquency XXXX Reported ( XXXX : XX/XX/XXXX ) is later than the Original Date of XXXX Delinquency ( DOFD : XX/XX/XXXX ). This practice is a direct attempt to illegally re-age the debt and extend its negative impact, which is prohibited by FCRA 605 ( a ) ( 2 ). This constitutes a failure to report with maximum possible accuracy. I demand a full investigation and the immediate deletion of account XXXX XXXX from my consumer report due to non-compliant reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I submitted a mortgage refinance application with Bank of America, and shortly after, I began receiving unsolicited calls from other mortgage lenders. I did not consent to my information being shared for marketing. I attempted to opt out and registered my number on the Do Not Call list, but the calls continued. 

I am requesting that Bank of America stop sharing my information for marketing, investigate how my data was used, and confirm when my opt-out is fully applied. I simply want the unsolicited calls to stop.

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 2025-11-04 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-04 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-04 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to formally report and request investigation into fraudulent debit attempts made against my XXXX checking account by a company identified as Concora Credit. 

( NMLS # XXXX ) XXXX XXXX XXXX XXXX, OR XXXX Concora is a registered trademark of Concora Credit Inc . 
Destiny, Indigo, Milestone, and XXXX are registered trademarks of Concora Credit Inc . 
XXXX XXXXXXXX XXXX License # XXXX In XX/XX/year> ], Concora Credit made XXXX unauthorized debit attempts on my checking account in the amounts of {$900.00} and {$1300.00}, respectively. I have never had any contact, agreement, or authorization with this company, nor have I ever permitted them to access my bank account for any reason. 

These transactions were blocked by XXXX, but the incident caused significant disruption and concern. I had to cancel my debit card and wait approximately 10 days for a replacement, leaving me without access to my funds during that period. This situation has created financial stress and inconvenience. 

I contacted XXXX fraud department immediately after discovering the unauthorized attempts. I requested that : XXXX mark these transactions as unauthorized and fraudulent under Regulation E ( Electronic Fund Transfers Act ) ; The bank block any future transactions from Concora Credit ; and I be provided with documentation of the attempted debits, including ACH or transaction identifiers. 

I am submitting this complaint to the CFPB because I believe this represents a criminal attempt to access consumer funds without authorization, and I want to ensure appropriate enforcement and investigation measures are taken. Additionally, I want to confirm that XXXX is following all consumer protection procedures, including ensuring that I am not held responsible for these unauthorized attempts. 

Please advise if any additional information or documentation is needed to support this complaint. I am happy to provide copies of my communications with XXXX, screenshots of the attempted transactions, and any case or reference numbers associated with my report. 

Thank you for your attention to this matter and for your continued efforts in protecting consumers from financial fraud and unauthorized electronic fund transfers.

Company response to consumer: Closed with explanation