vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX NCB XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Verification Of Debt Request Re : Acct # XXXX Amount in dispute : {$13000.00} Dear NCB XXXX XXXX XXXX I am reaching out to you about the debt you are trying to collect. You contacted me by phone on XX/XX/XXXX. This letter is being sent by you to pursuant to the fair debt collection practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) which states that you must supply the following information : Information About the Debt and About the Creditor Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of debt ; The name of the creditor to whom the debt is owed.

Contract that I signed proving this debt is mine.

A statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; Loan Ownership Transfer Notice.

Verification of Loan Details.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My XXXX  loan doesn't have a master promissory note, was moved to a different company Nelnet and there are some incorrect information about balances and interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I sent the letter to your company, Discover card requesting a full chain of assignment andassigned contract with my wet seal sign signature I requested that you send a signed letter saying you have the authority to collect on his debt because Discover card. put their account into receivables. this is verified through the SEC website so if this account was put into receivables, that means this account is under the Discover trust and Discover card doesnt have the authority right to collect on this account or report this account to the collection agencies, please show proof of a full chain of assignment the securitization of this account that was put into receivables under the SEC website that you have the right and you ought a full owner to collect on this account and that binding contract where I signed. I have provided your company with multiple documents showing that I am a victim of identity theft, and Ive been ignored. I showed identity, theft report, police incident report fax, data breach screenshots screenshot that I my SSN was compromised on the web in the XXXX data breach license, Social Security card, bank statement to verify my identity and my address and still has been ignored. This is my final attempt before I can Discover card a litigation letter to sue for the damages that they have been causing me because they wont take this fraudulent account off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-01 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: IL

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is an account on my credit report under the name of XXXX XXXX XXXX and after carefully investigating this account it seems that 2 other company also claim I own them the seem amount of money for the same account... 

I already requested valid documentation from Equifax and Transunion that shows how they allowed this account under the name of XXXX XXXX XXXX on my report and till the date none of my requested signed and dated documentations was send to my person. 

I CLEARLY REQUESTED THE BILL ACT/ PURCHUSING BILL RECEIPT THAT SHOWS FOR HOW MUCH THIS ACCOUNT WAS BOUGHT FROM XXXX  XXXX. 

Equifax and Transunion are collaborating with these 3 companies to rip me and scam me off. 

Also XXXX XXXX XXXX is passing all of my personal and federal information to other companies violating all of my consumer rights and sharing information of my person without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : Dispute of Fraudulent/Inaccurate Account WebBank/Fingerhut FreshStart XXXX XXXX XXXX ) To Whom It May Concern : This letter serves as a formal dispute under FCRA 611 [ 15 U.S.C. 1681i ] regarding the reporting of an inaccurate and fraudulent account on my Experian credit report. 

Disputed Account : Creditor : XXXX XXXX Account Number : XXXX Status : Charged Off, {$84.00} written off Comment : Purchased by another lender Balance : {$0.00} Open Date : XX/XX/XXXX Last Updated : XX/XX/XXXX This account is not mine, is associated with identity theft, and has already been deleted by TransUnion and Equifax. Furthermore, the account reporting contains the following inaccuracies : Listed as a charge-off, yet has a {$0.00} balance Marked purchased by another lender, meaning its no longer owned by WebBank/Fingerhut, but still being actively reported Payment history contradicts current account status This is a direct violation of the FCRA, particularly 607 ( b ), 611, and 623. I demand that you immediately delete this tradeline from my Experian credit report. 

Attached : FTC Identity Theft Report Police Report Proof of deletion from other XXXX Proof of ID and current address Please complete your reinvestigation and confirm deletion within 30 days of receipt, per your statutory obligation. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I've had a Citicard credit card for many years. For unknown reasons, at some point they stopped sending me bills or notices of any kind. No communication at all. They had my correct contact information, just failed to use it. For a long time, my only use of the card has been a twice-a-year autopayment for my auto insurance. But since they were not sending me bills as required by federal law, either paper or electronic, I had no idea when there was a payment due. Consequently, I missed a couple of payments. I only discovered I had missed payments when I received a notice from a completely different company that monitors my credit. I immediately paid the balance and then contacted Citi to inquire why that weren't communicating with me, even after I had missed payments. Their answer was essentially " It's not our problem. '' At that point, I closed the account. Next thing I know, my credit score, which has always been outstanding, well over XXXX, had taken a nearly XXXX point hit. I have since learned that Citi was in violation of federal law by failing to send me bills and notices. All I want is my credit score repaired. Well, that's not all I want. I would love to also see Citi penalized, since their customer service reps were extremely rude and unhelpful. But I'd settle for restoring my excellent credit score.

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 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America unexpectedly closed this credit card account, along with three others ( one business, three personal ), despite the fact that all were in good standing with no late payments or violations. I was never notified in advance, and no clear explanation was provided. After closure, I lost access to the account, but the debt remained active and must still be paid. This caused financial disruption and severely limited my ability to manage my finances. I requested an explanation from the bank but received no response.

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 2025-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I. Reviewed my credit reports and found errors On the following Account.

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 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NH

Complaint narrative:
Jefferson Capital Systems has been reporting multiple collection accounts to the credit bureaus all tied to the same original debt from XXXX. Beginning in XX/XX/XXXX, they have reported a new collection account each month, totaling at least five duplicate entries for the same debt. 

This repeated reporting is damaging my credit score and appears to be an intentional attempt to pressure me into paying. I have not received proper validation of the debt, and I dispute the legality of the duplicate reporting. 

This behavior is deceptive, abusive, and violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Its not my account and I would like it to be taken off my account Ce f

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 2025-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: GFS II, LLC
State: IN

Complaint narrative:
Under 15 U.S. Code 1681 its been over 7 years this should be no longer reporting on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
To Whom It May Concern, I am in receipt of your letter dated XX/XX/2025, regarding the alleged debt referenced above. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692G, I am formally requesting that you provide full validation of this alleged debt.

Please provide the following documentation for verification purposes : A complete payment history on this account, including all charges, payments, and adjustments made. 

A copy of the signed contract or agreement that legally obligates me to pay this debt to the named creditor. 

Proof of any insurance claims that may have been filed regarding this debt, and whether any portion has been covered by an insurance policy. 

Proof of chain of title, demonstrating that you or XXXX have the legal authority to collect this debt, including any agreements transferring ownership of this debt to your agency. 

Until you provide the requested validation, I do not acknowledge this debt, nor will I make any payments. Furthermore, under 15 U.S.C. 1692c ( c ), I request that you cease all collection activities, including reporting this debt to credit bureaus, until you have provided the required validation.

Please be advised that failure to provide proper validation or continued attempts to collect without compliance may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney Generals Office, and the Federal Trade Commission ( FTC ) for violations of the FDCPA. 

I expect a response within 30 days from the date you receive this request. Please send all correspondence to my mailing address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XX/XX/XXXX To : XXXX Discover Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Formal Dispute Under FCRA- Inaccurate Repetitive Reporting of Charged-Off Account Dear XXXX, This letter serves as a formal dispute under the fair credit reporting act ( FCRA ) regarding the repetitive and inaccurate reporting of a charged-off account by Discover Card, which is currently appearing on my credit report. 

The Discover Credit card account in question XXXX is being reported as charged-off repeatedly each month, which is both factually incorrect and in violation of FCRA. 

According to the FCRA, information reported to consumer reporting agencies must be accurate, complete, and not misleading [ 15 U.S. Code 1681 ]. Re-reporting a charge-off monthly is not only inaccurate, it creates the false appearance of a recurring derogatory event, which artificially and unfairly suppresses my credit score month after month.

Let me be clear : A charge-off is a one-time event that should reflect the original date of occurrence only. Continuing to update the status monthly as if the charge off is renewed is deceptive and noncompliance with the FCRA. 

Action Demanded : Immediately investigate this account with Discover Card. 

Correct or delete the inaccurate monthly charge-off updates. 

Provide a written response within 30 days as requested as required under federal law. 

Failure to correct this error may result in further action including a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for willful noncompliance with the FCRA. 

I have enclosed a copy of my ID, proof of address, and a copy of the relevant credit report with the inaccurate information highlighted. 

I expect your prompt attention to this matter. please confirm in writing that this dispute has been investigated and resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: NV

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number. Date : XX/XX/XXXX, XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me.

Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC.

Details of Disputed Inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-01 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: RI

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zip XXXX ( account number ) XXXX HAS VIOLATED MY RIGHTS. H 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Previously filed a complaint about underpayment of interest rates.

Citizens bank 's response was that the interest rate is variable, which it is. However, my money market account meets the requirements for receiving the PREFERRED Annual Percentage Yield ( {$25000.00} not currently on deposit with Citizens ). The rate is variable but it should vary within the range of the PREFERRED APY ( around 3 % ). My interest rate dropped to 0.50 % for several months, which is well outside of the preferred APY range.

Their rates for standard APY and PREFERRED APY here : https : //www.citizensbank.com/savings/money-market-accounts/citizens-private-client-money-market-rates.aspx Please advise.

Company response to consumer: Closed with explanation