vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit Collection Services, Inc.
State: NJ

Complaint narrative:
A fake company called Summit Collection Services NJ supposedly based out of XXXX XXXX XXXX NJ was trying to call me and now mail me for XXXX  dollars!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding an alleged debt from original creditor CITIBANK, XXXX, with a reported balance of {$1000.00}. This account is currently being reported as a collection on my credit reports with XXXX XXXX XXXX XXXX 

On or about XX/XX/year>, I sent a formal Debt Validation Letter to XXXX XXXX XXXX via XXXX mail, exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). In this letter, I specifically requested comprehensive documented proof of the alleged debt, including : XXXX of the original creditor. 
The original signed agreement or contract. 
A full accounting of the debt, showing the principal, interest, fees, and payments made. 
Evidence of their legal authority to collect this debt in my state. 
Despite my clear and lawful request for validation, XXXX XXXX XXXX has failed to provide the requested comprehensive documentation to fully validate this debt within the XXXX period as required by law ( XXXX XXXX Code XXXX ( b ) ). Furthermore, this account continues to be reported on my XXXX XXXX XXXX XXXX XXXX XXXX as an active and unverified collection, which constitutes inaccurate and unsubstantiated information. 

The continued reporting of an unvalidated debt, and the attempt to collect on it without proper verification, violates my rights under both the FCRA ( specifically, ensuring accuracy and privacy of information in credit reports ) and the FDCPA ( regarding fair debt collection practices and debt validation procedures ). 

I formally request a full investigation by the CFPB into XXXX XXXX XXXX 's reporting and collection practices concerning this account. I also demand the immediate and permanent removal of this unverified collection account from my XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I request that XXXX XXXX XXXX cease all collection activities for this unvalidated debt. ''

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED DURING A DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT. 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 THESE ERRORS ARE ILLEGAL & UNETHICAL. EXPERIAN & ALSO ABOVE CREDITORS HAVE FAILED MULTIPLE TIMES TO PERFORM LEGAL INVESTIGATIONS OF ACCOUNTS LISTED. THIS HAS BEEN EXTREMELY DAMAGING TO ME & MY WELL-BEING. REMOVE THESE ACCOUNTS IMMEDIATELY.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
To Whom It XXXX Concern, I am filing a formal complaint against Dept of Ed/Nelnet XXXX XXXX XXXX XXXX XXXX for XXXX reporting and collection of student loan debt that is now legally void following the XXXX order to abolish the XXXX Department of Education XXXX 

Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

XXXX. Failure to XXXX XXXX of XXXX The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( XXXX XXXX. XXXX ) and FDCPA ( XXXX XXXX. XXXX ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, Pursuant to XXXX XXXX. XXXX, I am disputing the following inaccurate information on my credit report : Account Name : XXXX  XXXX XXXX XXXX XXXX Reported Balance {$3000.00} Error : Wrong Account Status Pursuant to XXXX XXXX. XXXX, I am disputing the following inaccurate information on my credit report : Account Name : XXXX XXXX XXXX XXXX Error : Wrong Account Status Pursuant to XXXX XXXX. XXXX, I am disputing the following inaccurate information on my credit report : Account Name : XXXX XXXX XXXX  XXXX XXXX Error : Wrong Account Status Pursuant to XXXX XXXX. XXXX, I am disputing the following inaccurate information on my credit report : Account Name : XXXX XXXX XXXX  Error : Wrong Account Status Pursuant to XXXX U.S.C. XXXX, I am disputing the following inaccurate information on my credit report : Account Name : XXXX XXXX XXXX  XXXX XXXX Error : Wrong Account Status Pursuant to XXXX XXXX. XXXX, I am disputing the following inaccurate information on my credit report : Account Name : XXXX XXXX XXXX  XXXX XXXX Error : Wrong Account Status Pursuant to XXXX XXXX. XXXX, I am disputing the following inaccurate information on my credit report : Account Name : XXXX XXXX XXXX XXXX Error : Wrong Account Status Pursuant to XXXX XXXX. XXXX, I am disputing the following inaccurate information on my credit report : Account Name : XXXX XXXX XXXX, XXXX XXXX Error : Wrong Account Status Pursuant to XXXX XXXX. XXXX, I am disputing the following inaccurate information on my credit report : Account Name : XXXX XXXX, XXXX XXXX XXXX XXXX Error : Wrong Account Status You are legally obligated to conduct a full investigation within XXXX  days and correct any inaccurate information. Should you fail to comply, I will initiate legal proceedings for your willful non-compliance with the FCRA and demand XXXX  under XXXX U.S.C. XXXX. 

Failure to act will result in formal complaints to the CFPB and the Attorney General 's office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I signed up for the Citibank XXXX XXXX card around the end of XXXX, with email correspondence dating XX/XX/XXXX. I made the decision to sign up for the XXXX XXXX card because of a promotional offer of XXXX " Thank You points '' ( worth {$200.00} cash back ) for spending {$1500.00} within the first 6 months. I met that requirement by the end of XXXX. 

I waited a month, but nothing showed on my statements and I never received the points. 

On XX/XX/year>, I initiated contact via online chat and spoke with three different representatives : XXXX, XXXX, and XXXX. I was directed by XXXX to email XXXX regarding this matter. I do not have any transcripts of the online chats because Citibank does not provide the option to download transcripts, and automatically deleted the chats after the chat is closed by either the customer or the agent, with several agents terminating the chat for lapses of a few minutes with me response, despite often taking 10+ minutes between their own replies. 

Subsequently, I sent the following emails to XXXX : XX/XX/year> : Initial email detailing the issue and including the promotional offer details. 
XX/XX/year> : Follow-up email requesting an update and confirmation of email receipt. 
XX/XX/year> : Further follow-up inquiring about the email 's activity and review process. 
XX/XX/year> : Additional follow-up at the direction of Citibank customer chat, to ensure the email was being monitored. 
XX/XX/year> : An additional attempt to obtain an update. 
XX/XX/year> : A final attempt to obtain an update, copying Citibank customer support. 

After these emails, on XX/XX/XXXX, I sent a written formal complaint via mail to Citi XXXX XXXX XXXX. I then followed up on the email chain reference above, and copying the general customer service email address, notifying them of my written complaint. 

To date, I have not received any response, email or written, from Citibank. They have also still not fulfilled their promotional offer. 

I signed up for the Citi card largely because of the promotional offer, and they have not met their end of the agreement. Their failure to fulfill their offer is unacceptable, and their complete refusal to respond to the legitimate complaints of an active cardholder is beyond reprehensible. 

It was nearly 6 months ago that I signed up, so I do not have the original promotional paperwork, but I will attach a screencap of the offer I signed up for, as well as all correspondence I sent to Citi.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX  XXXX hard pull shows on credit report. I used the companies soft pull options to check for product availability. The company used a hard pull to check for options. I never agreed to a hard pull. The company must remove the hard pull inquiry from my Transunion Equifax Experian credit files.

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 2025-06-16 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: WI

Complaint narrative:
XXXX XXXX  XXXX hard pull shows on credit report. I used the companies soft pull options to check for product availability. The company used a hard pull to check for options. I never agreed to a hard pull. The company must remove the hard pull inquiry from my Transunion Equifax Experian credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX\nDate of Birth: XXXXLAST 4 OF SSN: XXXXn\nXXXXn\nEquifax\nPO BOX XXXXnXXXX  GA XXXX\nRE: Formal Dispute of Inaccurate XXXX-Day Late Payment Reporting  Request for Correction\nTo Whom It May Concern,\nI am writing to formally dispute the reporting of a XXXX-day late payment for the student loan account listed below. This derogatory mark is inaccurate, misleading, and must be corrected under the Fair Credit Reporting Act (FCRA).\nAccount Name: XXXX\nAccount Number: XXXX\nReported Error: (date unspecified see images) - XXXX-Day Late Payment\n\n\nThis loan was previously under administrative XXXX  during the XXXX  student loan payment pause, and I was under the good faith belief that it remained in XXXX  or XXXX  status at the time the reported late payment occurred. \nI did not receive any communication, billing statements, or past-due notices from the loan servicer informing me that payments had resumed, were due, or that the loan was no longer deferred.\nUp until this error my Credit Report has shown On Time payment, even in the month prior to the XXXX Day Late Payment status, which directly contradicts the claim that I was XXXX  days XXXX  in XXXX/XXXX. Logically, if I was truly XXXX  days past due in the months prior. This discrepancy proves that the account reporting is factually inconsistent and should be corrected immediately.\nI am requesting that the XXXX-day late payment notation for XXXX be updated to On Time or removed altogether, as it is the result of a servicer communication failure, inconsistent data, and misreporting.\nPlease conduct a reasonable investigation into this matter. If the furnisher cannot verify that I was properly notified of due dates and XXXX, and if the timeline of late payments cannot be supported by factual documentation, the XXXX  mark must be corrected or deleted.\nPlease provide me with a written response detailing the outcome of your investigation, including the method of verification used and any documentation reviewed.\nSincerely,\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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by Experian under the following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my formal disputes submitted on XX/XX/year>, XX/XX/year> and XX/XX/year>, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction is a willful violation of my rights, causing significant harm to my credit standing and financial opportunities. As a good-faith effort to resolve this matter without the need for litigation, I am extending a settlement offer : ( 1 ) the complete deletion of all 9 inaccurate late payment entries across all three bureaus, and ( 2 ) payment of {$900.00} to compensate for the damages suffered. This offer is valid for ten ( 10 ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. I will seek actual damages, statutory damages up to {$9000.00}, punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and urged to treat this as a final opportunity to resolve this matter without litigation.

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 2025-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: WV

Complaint narrative:
I am a homeowner with a mortgage serviced by PennyMac Loan Services , LLC . 

On XX/XX/year>2024, my property sustained storm damage. My insurer, XXXX XXXX XXXX XXXX XXXX, issued a check for {$10000.00} for verified repairs to the antenna, garage, and HVAC unit. This check was made out to myself and PennyMac as co-payees.

I was the sole claimant. I worked directly with the insurance company and adjuster, received the check, and called PennyMac to ask what to do next. I was assuredmultiple timesthat this amount was well under their threshold for holding funds or involving escrow restrictions. Based on their instruction, I endorsed and mailed the check. I have photo documentation of the check, envelope, and phone logs to support my account.

I want to be clear : this was not a miscommunication. Their instructions directly led to this issue. At the time, I had recently returned from XXXX XXXX in XXXX. I was already struggling with severe XXXX XXXX and later that year I was XXXX  in a XXXX XXXXXXXX XXXX XXXX due to XXXX XXXX I was released into the care of family hours from home. All of this happened during the time PennyMac chose to withhold funds and take damaging actions without due process.

While I was in treatment, a third-party contractor trespassed and caused damaged to my home while working for PennyMac. XXXX left the notes on the door with undeniable destruction to my property. Despite clear signs of regular care ( a trusted person checking on my home daily and mail service maintained ), they falsely deemed the home vacant. While attempting to peek through a taped windowtaped due to my XXXX XXXX  damaged my home. They stood on a stove I was in the process of replacing, broke it, and ripped my gutter down while trying to balance themselves. 

They left No Trespassing and Vacant Property notices on my front door. This was despite the fact that : I was living there regularly when not on duty I work as a XXXX  and am gone for 4 days at a time I had returned from XXXX only months earlier The home had sat safely for 8 months while I was XXXX I have completed some of the repairs and submitted documents with no response to get reimbursed, including the antenna and garage, and submitted documentation and photos via the PennyMac InsuranceClaimCheck portal. All items are marked " RECEIVED '' except one " Paid Receipts '' document, which was labeled " NOT ACCEPTED '' without explanation. The final inspection was marked " 0 % complete '' with no follow-up.

This is more than a paperwork issuethis is a clear case of bad-faith servicin
g, property damage by an unauthorized contractor, and unjustified escrow withholding. I am requesting CFPB intervention to investigate and compel PennyMac to release the insurance funds that are rightfully mine or provide a lawful reason for their continued refusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Creditors agreed to remove all late payments when account being paid. It is still showing late payments and it is showing charge off on the recent months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
I am writing to formally dispute fraudulent employment information that has appeared on a background check involving your agency. I recently discovered that someone used my personal information to gain employment with XXXX XXXX XXXX. I have never worked for, applied to, or had any affiliation with XXXX XXXX XXXX. 

I am a victim of identity theft and am taking active steps to correct this issue. As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that you : 1. Remove and block or correct the inaccurate employment information from my consumer report ; 2. Conduct a full investigation into this fraudulent activity ; 3. Provide written confirmation of your findings and actions taken. 

Attached Documents : - Copy of my government-issued ID - Copy of a recent utility bill ( proof of address ) - Copy of my FTC Identity Theft Report

Company response to consumer: Closed with explanation