vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Alleged Debt {$11000.00} Original Creditor : XXXX XXXX  Account Number : XXXX To Whom It May Concern, This letter serves as a formal dispute and demand for immediate validation of the alleged debt totaling {$11000.00}, which you claim is owed to Jefferson Capital Systems , LLC and which reportedly originated from XXXX XXXX, concerning a vehicle repossession. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am asserting my legal right to : Dispute the full validity and accuracy of this alleged debt. 


Demand full itemization of the debt, including : The original contract with XXXX XXXX  bearing my signature, Complete payment and charge-off history, Proof of legal transfer or assignment of this debt to Jefferson Capital Systems , LLC, Details of the repossession, including sale information and any amounts supposedly still owed after vehicle liquidation. 


I am challenging the legitimacy and legality of this account, as the amount is inflated, unverified, and appears to lack proper documentation. If you are attempting to collect on a deficiency balance from a repossession, you are required to provide legal proof of the sale, notification of sale, and application of funds, as per UCC guidelines and applicable state laws. 
Furthermore, until you provide complete validation, you are required to : Cease all collection activity, Refrain from reporting this debt to any credit bureau, or Immediately mark it as disputed on all consumer reporting agencies. 


If you can not verify this debt in full, you must : Permanently remove it from all credit reports, Cease any and all collection efforts, and Provide written confirmation that the account has been closed and removed. 


Any attempt to collect on an unverified or fraudulent debt will be viewed as a direct violation of the FDCPA and FCRA, and I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office, and pursue legal action if necessary. 
You have 30 days from the date of receiving this notice to respond. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
We asked the sales rep XXXX XXXX for only an estimate for XXXX panels, but my wife and I ended up being signed for a XXXX loan for panels. We never signed any documents or received panels. The rep forged our signatures Now we have {$30000.00} loan for panels on our credit report. 

We have been trying to cancel this service for XXXX  months, but have received the run-around from Mosaic XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Both companies keep telling us they are waiting for the other company to cancel the service. When I tried to get them on the phone, they stated they couldn't be on the phone legally at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
What happened? 
My federal Direct Loan sequences 6, 8, and 10 are shown as Paid in Full ( {$0.00} balance ) on StudentAid.gov. I retained screenshots. 

On XX/XX/year>, I noticed interest was being added to these same sequences in my MOHELA account, despite the loans being marked paid off for months and despite my enrollment in the SAVE Plan administrative forbearance, under which * * interest is not supposed to accrue until XX/XX/year>. I called MOHELA that day ; the representative agreed the information was incorrect, said my case was escalated for internal research, and told me I would receive followup. I have not received any response. 

I am concerned that ( XXXX ) MOHELA is improperly assessing or displaying interest before the federal start date ; ( XXXX ) these errors increase my balance and cause downstream issues ; and ( XXXX ) the account history for sequences 6, 8, and 10 may be inaccurate even though StudentAid.gov shows {$0.00} and I have previously had them under paid in full status on there internal website. 

Requested information from MOHELA ( phone, XX/XX/year> ) : confirmation that interest would be stopped/removed ; correction of balances to {$0.00} for sequences 6, 8, and 10 ; written confirmation of the fix. The representative acknowledged the issue and forwarded it internally ; no written resolution to date.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
This complaint details a new, egregious FCRA violation by Equifax, adding to the issues in my existing comprehensive complaints ( CFPB IDs XXXX, XXXX, and the complaint filed today, XX/XX/XXXX, regarding the repeated XXXX re-opening ). Equifax is now reporting a new 'CO ' ( Charge Off ) status for XX/XX/XXXX for my XXXX, XXXX account ( # XXXX ) [ cite : XXXX XXXX XXXX, page 1 ]. This occurs after a prolonged period of 'ND ' ( No Data ) on XXXX XXXX report from XX/XX/XXXX through XX/XX/XXXX [ cite : XXXX XXXX ], and after XXXX XXXX ( previously linked to this debt ) admitted they were a third-party debt collector and agreed to delete their tradeline [ cite : Complaint Detail XXXX  ]. 

Timeline of Egregious Behavior : XX/XX/XXXX : Last reported 'CO ' status on XXXX  before 'ND ' period [ cite : XXXX XXXX ]. 

XX/XX/XXXX - XX/XX/XXXX : Over a year of 'ND ' ( no data ) on XXXX XXXX report for this account [ cite : XXXX XXXX ]. 

XX/XX/XXXX : XXXX XXXX ( previously linked to this debt ) admitted they were a third-party debt collector and agreed to delete their tradeline [ cite : Complaint Detail XXXX  ]. 

XX/XX/XXXX : I received notification that the XXXX account was 'transferred to another creditor ' [ cite : [ Update ] Your account was transferred - XXXX - XXXX ], indicating no clear owner. 

XX/XX/XXXX ( Today ) : Equifax reports a new 'CO ' for XX/XX/XXXX [ cite : XXXX XXXX XXXXXXXX ]. 

Reporting a new derogatory status after over a year of no data on another bureau, and for a debt that is effectively 'unclaimed ' and 'transferred ', is an an unauthorized re-reporting/re-aging of a derogatory mark. This demonstrates a severe and willful disregard for accuracy and my consumer rights, causing immediate, measurable harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
For reference Compliant ID : XXXX & XXXX I have requested for all reporting debts to be validated and verified. I have not receive any documentation showing a description of the procedure used to determine the accuracy, The name, address, and contact information of the party that verified the information, The method and sources used in your reinvestigation. 

I keep receiving letters telling me the debt is verify and disregarded when request above information. 

I REQUESTED : The original signed agreement, Full itemized billing history, A breakdown of the charges, Proof of the legal right to collect the debt, and proof of the chain of custody if the debt was sold.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JLO Ventures LLC dba Car By U
State: NC

Complaint narrative:
On XX/XX/year>, my car payment was due. My contract included a XXXX grace period, which means I had until XX/XX/XXXX to pay without being considered in default. However, XXXX locked my account the same day, preventing me from paying. 

I called them on XX/XX/year>, and they admitted they had locked my payment portal. They waived all repossession-related fees and let me pay {$320.00}, which covered my {$320.00} payment, a late fee, and a small processing fee. 

My next payment was then due on XX/XX/year>. On XX/XX/XXXX the final day of that grace period I emailed XXXX explaining I would pay after work ( after XXXX PM ). They refused and told me to pay by XXXX PM, and by XXXX PM, I was locked out again and unable to pay. 

On XX/XX/XXXX, they demanded a {$250.00} repossession cancellation fee ( not authorized by my contract ). I refused to pay an illegal fee. On XX/XX/XXXX, they repossessed my car without ever providing a written right to cure notice, as required under XXXX XXXX XXXX. XXXX. 

Despite all this, XXXX XXXX reported my account as Charged Off on XX/XX/year> before my grace period ended and before I made the full payment on XX/XX/XXXX. That date is false and makes it look like I defaulted when I did not. 

This charge-off is based on illegal actions, not my failure to pay. XXXX blocked me from paying, demanded illegal fees, and never followed North Carolina law. They then reported a charge-off to damage my credit before I even had a chance to catch up there is currently a small claims lawsuit against the company XXXX number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/year>, I purchased a XXXXXXXX XXXX XXXX from a local business for {$200.00}, using my Synchrony Bank PayPal Mastercard . I used only 4 sessions before the business permanently closed. I contacted the business owner, who told me over the phone that he had retired and moved to XXXX, and asked me to send a text message to request a refund for the remaining unused 6 sessions. I sent the text as instructed, but he never responded. Shortly after that, he rejected all my follow-up calls. 

In XX/XX/year>, I filed a dispute with PayPal Mastercard ( issued by Synchrony Bank ), stating that I had not received the full services I paid for. The dispute was denied because the merchant claimed they had been in contact with me. However, PayPal never asked the merchant for any proof of contact. I received no email or written notification about the outcome and only found out the result by calling customer service. 

In XX/XX/year>, I submitted a second dispute. This time, I faxed documentation showing : Proof the business had permanently closed My unanswered text to the owner requesting a refund My phone logs showing repeated, rejected calls However, this second dispute was mishandled. The PayPal agent incorrectly submitted it under the category dissatisfaction with service instead of service not received, even though the issue was clearly about unrendered services. As a result, the dispute was again denied without proper review. I also never received any notification of the decision, and once again had to call to learn the outcome.

I believe both disputes were mishandled due to internal errors and lack of due process. I followed all proper steps and submitted proof of service not received. I am requesting that the dispute be reopened under the correct reason code and properly reviewed.

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 monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I want to file a complaint against LOWE 'S and SYNCHRONY BANK for charging me {$47.00} as a late fee after I closed my account with them. The problem began in XX/XX/year> when I made a purchase of {$20.00} for some grass seed for my lawn. 
Apparently LOWE 'S uses SYNCHRONY BANK to collect payment. I never gave either LOWE 'S or SYNCHRONY BANK permission to send invoices to my email. In fact, to my knowledge I never gave them my email. It is common knowledge that emails can get 'hacked ' and identities can get get stolen. I never received a bill in the mail ; so finally I called LOWE 'S and was told I was late making my {$20.00} payment. I told the person on the phone to cancel my LOWE 'S credit card unless I receive a paper bill.

I was then told if I got a paper bill I would have to pay for it?? I have never paid for a paper bill. Even after I called LOWE 'S and cancelled my card I was charged {$47.00}. Every month the late charge gets larger? Merchants should disclose that the only methodof payment is by email so the customer can opt out. They should also be told that they will pay for paper bills. I do not owe LOWE 'S {$47.00} in late fees.

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 2025-07-27 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: CA

Complaint narrative:
Name : XXXX XXXX XXXX, Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX  XXXX on XX/XX/XXXX under the account number of XXXX, XXXX XXXX  on XX/XX/XXXX under the account number of XXXX and a telephone bill opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number of XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-26 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: CA

Complaint narrative:
There is a collection account from XXXX XXXX ( XXXX ) on my credit report that is not mine and is connected with an account that was previously removed as it was opened fraudulently. I have disputed with the collection agency and provided all of the information they requested. I was informed they would be removing their collection account from my name. Please ensure this account is removed.

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 2025-07-27 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: MD

Complaint narrative:
Reporting agency furnished consumer reports. I did NOT give them written instructions to report this information, therefore, this is fraudulent/identity Theft. Under 15 US Code 1681c-2, the consumer reporting agency must block information that I identify as information that resulted from an alleged identity theft.

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: MA

Complaint narrative:
Only XX/XX/scrub> 2025, I opened a NetSepnd Debit Account through the {$200.00} promotion ( XXXX XXXX XXXX XXXX, the screenshot of the promo page was attached in the file. The requirement was to fulfill {$400.00} direct deposit and activate the debit card, and then the promotion should be credited within 5 days. 

I fulfilled the direct deposit requirement on XX/XX/XXXX, and activated the debit card on XX/XX/XXXX. I believe I've fully fulfilled the requirements, however, I didn't receive my credit on time. 

I tried to contact them through their security message portal, however, it also reported an error blocking me from sending them any message.

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 2025-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Sometime in XXXX, I was banned by Navy Federal Credit Union ( NFCU ) from using their phones services and from entering into any branch. I have XXXX  XXXX from my time in the military, so severe in fact, I am 1XXXX XXXX XXXX XXXX XXXX XXXXXXXX through the VA, meaning I'm unable to work. NFCU knows this as they have received my direct deposit from the VA since XXXX and the fact that I have told them on multiple occasions. I also asked several times prior to this incident, over the phone to the NFCU representatives if they could increase or change the fraud flags for my account because every month around the same time I pay all of my bills and XXXX freezes my card. This would cause so much issues and late fees and stress. The stress is the worst part bc when the phone convo getting them to unfreeze my account is over they go back to their normal day, me however, I'm left dealing with the demons I was just fighting for the next 3 days. 

So on this day in XXXX when they froze my card bc I was paying all my bills on the same day, like every month for the prior 2 years, I was a little upset when calling in to get the freeze lifted again. Because of that call, NFCU has banned me from using the any branch and from calling in and talking to any person. I just recently requested the ban be lifted to which the replied with No. I believe bc of what was said and my disabilities, that NFCU is discriminating against me. I believe this 3 year and running ban of basic functions of my banking experience is unjust, retaliatory, and very much discriminating. 

I've gotten no reason why, or what was the deciding factor. They knew my XXXX was severe and that their ridiculous fraud steps were causing issues and frustration. They chose to do nothing to help accommodate my disabilities and coming from a bank that PRIDES itself on helping veterans, this has been a terrible look and disgusting act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I settled a timeshare account with XXXX that was serviced by Concord Servicing LLC. I paid {$3700.00} in XX/XX/scrub> 2024 under a written settlement agreement facilitated by my attorney, XXXX XXXX. A condition of this agreement was that the tradeline would be removed from my credit report. 

Despite this, Concord Servicing continues to report the account as active and late each month to XXXX, which is inaccurate and harmful to my credit. I provided XXXX  with my settlement agreement and proof of payment during my dispute. Concord Servicing verified the tradeline anyway, and XXXX  refused to correct or delete it. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), as the information is outdated, misleading, and inaccurately verified. I am requesting that Concord Servicing LLC correct or delete the tradeline as required by law and by the settlement agreement. 

Attached is signed agreement for settlement Proof of payment Negative reporting on my credit report Results from XXXX  denying my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Fraudulent Inquiries on my credit file. \n\nTo Whom It May Concern,\n\nI am writing to formally dispute and request the immediate removal of fraudulent inquires on my credit report listed below. \n\nI am a victim of identity theft, and certain inquiries on my credit report that I did not authorize. \n\nDisputed inquires \n\nally financial 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 XXXXThank you for your prompt attention to this matter. Please send all future correspondence related to this dispute to the address listed above.XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief