vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Midland Credit Management , Inc . 
Attn : XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, CA XXXX Re : Debt Validation and Cease & Desist Account No. XXXX To Whom It May Concern : I am contacting you regarding the above-referenced account. This letter serves as both a formal request for debt validation and a cease and desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) and 1692g.

Debt Validation Request I dispute this alleged debt and request full validation, including but not limited to : The name and address of the original creditor.

The amount of the alleged debt, with a full itemized breakdown of fees, interest, and other charges.

A copy of the original agreement or contract bearing my signature that verifies I am legally obligated.

Documentation proving your legal right to collect this debt ( assignment, bill of sale, or similar proof ).

The date of the last payment or activity, to confirm whether the debt is time-barred by the statute of limitations.

Proof you are licensed to collect debts in my state.

Cease and Desist Until such validation is provided, you must cease all collection efforts, including phone calls, letters, emails, texts, or credit reporting.

If you can not validate this debt, you are required to : Immediately stop all collection activity.

Cease reporting the debt to any credit reporting agencies.

Notify me in writing that you have closed this file.

Legal Notice Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I also reserve the right to pursue civil remedies for violations of the FDCPA. 
This letter is being sent via Certified Mail, Return Receipt Requested, so I have proof of delivery. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Complaint : I submitted a XXXX Buyback request XX/XX/year>2025 through MOHELA/Federal Student Aid. My account shows XXXX qualifying XXXX payments and at least XXXX months of qualifying employment during the period in question. Buying back XXXX months would make me immediately eligible for XXXX forgiveness. 
Since filing, I have not received a buyback agreement or a clear status update. I have contacted MOHELA and XXXX multiple times, but Im told my case is under review or with XXXX. There is no timeline, and my file appears stalled despite being eligible for buyback ( i.e., XXXX months of qualifying employment and only needing the buyback months to reach forgiveness ). 
The prolonged delay is causing concrete harm : ( XXXX ) uncertainty around forgiveness timing, ( XXXX ) inability to plan finances, and ( XXXX ) risk that previously provided documents or counts go stale and need rework. 
What Ive tried to resolve it : - Submitted the XXXX Buyback request ( XX/XX/year> ). 
- Confirmed my XXXX qualifying payments and qualifying employment months in my XXXX/MOHELA portals. 
- Called/emailed MOHELA and XXXX several times to request status and escalation. 
- Provided documentation verifying my continuous qualifying employment for the months to be bought back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Selip & Stylianou LLP. sent me an outdated debt validation statement that omitted the information I had requested. Despite sending them a cease and desist letter, they continued to collect the debt, claiming responsibility even after repeatedly failing to validate the debt. Their request after my cease and desist letter was unprofessional and failed to fully validate the debt. I require a thorough investigation into their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
To Whom It May Concern, Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to your report. The collection agency is JEFFERSON CAPITAL SYSTEMS XXXX for the amont of {$150.00}. A company I, XXXX XXXX, have NEVER done business with. 

This is a formal dispute of the Jefferson Capital Systems account. You are furnishing data that is inaccurate and unverifiable, violating FCRA 607 ( b ), 609 ( a ), 611, 623, FDCPA 807-809, and Metro 2 CRRG. Jefforson Capital never contacted me or sent me a written validation notice about this debt. This company was unknown to me before seeing the derogatory mark on my credit report. 

Specific Deficiencies Failure to Mark Dispute. The account is not coded with the XXXX compliance code, in violation of FCRA 623 ( a ) ( 3 ). 
Balance Inflation. The balance includes unlawful post-charge-off fees. This violates FDCPA XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
XXXX Inconsistencies, The reported balance and dates differ across CRAs. This violates FCRA 607 ( b ), requiring maximum possible accuracy.

No Proof of Ownership. Jefferson Capital has failed to provide the original contract or assignment documentation. 
Unfair Practices. By failing to validate, you are engaging in unfair and deceptive practices prohibited under XXXX. 

Legal Basis The FCRA imposes strict liability for failing to maintain accurate and complete records. In ushman v. TransUnion, the court found that superficial verification is insufficient. Jefferso apital 's reporting practices mirror this type of violation.

They must delete this account unless can provide : Original signed agreement, Complete chain of title, Full account history and validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
I qualify for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is not counting my payments from XX/XX/XXXX through XX/XX/XXXX. I qualify under the Limited Waiver. I worked for a XXXX XXXX  from XXXX to XXXX. Navient was my student loan servicer. I clearly qualify and on the XXXX  website it clearly shows I was in forebearnce from XX/XX/XXXX straight through to XX/XX/XXXX. I submitted a complaint to XXXX XXXX XXXX and submitted several reconsideration cases. It's been two years of going through this and nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX posted a charge to my CareCredit account even though I canceled the card and did not authorize this charge. I did not receive any treatment or services for this amount. The clinic processed these charges fraudulently. I request that this matter be investigated and that the charges be removed from my 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 2025-09-28 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: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I am formally disputing the accuracy and validity of the negative items currently appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 611 ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA ) 807-809 ( 15 U.S.C. 1692eg ), you are required to ensure that all information furnished and reported is accurate, verifiable, and not misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: PR

Complaint narrative:
b'On XXXX XXXX XXXX, I sent Nelnet a certified letter (Certified Mail #XXXX XXXX XXXX XXXX XXXX XXXX) requesting full validation of an alleged debt under account number XXXX, pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g.\n\nIn that letter, I clearly stated:\n\nThe alleged debt is not recognized.\n\nThe name on the correspondence they used (XXXX XXXX) does not match my full legal name XXXX XXXX XXXX).\n\nI requested copies of any signed contract, itemization of the debt, original creditor information, and documentation proving Nelnets authority to collect.\n\nTo this date, Nelnet has not provided any official response or certified documentation. This failure to respond violates my rights under the FDCPA, which requires a debt collector to provide validation before continuing collection activities.\n\nI am requesting that the CFPB compel Nelnet to:\n\nProvide full validation of the alleged debt, including all documentation requested.\n\nCease all collection activities until such validation is properly provided.\n\nCorrect any negative credit reporting related to this alleged debt.\n\nNelnets lack of response leaves me without proof that this debt is valid, and their continued inaction is a violation of federal consumer protection law.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NY

Complaint narrative:
An XXXX XXXX Bank installment loan account is being reported on my credit report with late payments ( 3060 days past due in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). This account is not mine. It was closed in XX/XX/XXXX with a {$1000.00} balance. 

I have disputed this account with XXXX, Equifax, and XXXX, contacted the bank, and filed an FTC Identity Theft report. XXXX  and Equifax have removed the late payments, but XXXX  still reports them. The inaccurate reporting has harmed my credit score and prevented me from accessing credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: CA

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding inaccuracies in my Experian credit report, Report XXXX XXXX, generated on XX/XX/year>. After reviewing this report and comparing it with a previous report, I have identified several discrepancies in the reported balances and account statuses for multiple accounts. 

Specifically : XXXX XXXX XXXX XXXX report shows this account as Paid, Closed/Never late, with a {$0.00} balance. 

The most recent report shows an Open account with {$41.00} past due as of XX/XX/year>. 
Discrepancy : Conflicting account status and balance. 

XXXX XXXX ( Account XXXX ) Previous report shows a charged-off balance of {$160.00}, past due {$160.00}. 

Most recent report shows a charged-off balance of {$170.00}, past due {$170.00}. 
Discrepancy : XXXX differs by {$15.00}. 

XXXX XXXX XXXX report shows {$1100.00} balance with {$210.00} past due. 

Previous report appears to report a different past-due balance ( please verify ). 

Other Accounts of Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  past-due balances in the current report differ from previous reports.

These discrepancies create confusion regarding my accurate credit obligations and may affect my ability to obtain credit or loans. I request that the CFPB facilitate an investigation with Experian to : Verify the accuracy of all account balances and statuses. 

Correct any inaccuracies found. 

Provide confirmation once the investigation and corrections are complete. 

Attached are copies of my current and previous Experian reports highlighting the inconsistencies for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXXXXXX failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX, XXXX. has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 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 2025-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Credit card opened without my knowledge. Doesn't show full account number on my credit report. I never opened any account with Lowe 's syncb. 
Date opened XX/XX/. I would have been 5 yrs old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: PA

Complaint narrative:
I put a complaint in XXXX havent received a response. I ask them to send me the information on how they did they investigation on alleged debt, I requested the original purchase agreement still havent received it please investigate their actions and why they havent deleted it the 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 2025-09-29 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: PA

Complaint narrative:
I put a complaint in XXXX havent received a response. I ask them to send me the information on how they did they investigation on alleged debt, I requested the original purchase agreement still havent received it please investigate their actions and why they havent deleted it the 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 non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Shellpoint in reference to two refund checks ( escrow & overpayment ). 
After receiving these checks, the names on the refund checks are in dispute. I believe there may have been some misunderstandings or overlooked details that I would like to bring to your attention. 
I was awarded this house after divorcing in XXXX. I tried to assume the loan and refinance the loan. The mortgage was transferred several times. I was still required to pay off the loan. My ex-husband would not sign off on any documents. 
I provided Shellpoint with my Divorce Decree. After this was done, the loan was transferred again, with different requirements for me to assume the loan or refinance the loan. This documentation is filed with my name only in XXXX XXXX, Texas. 
I kindly request that the mortgage company review the documentation. I am more than willing to discuss this matter further and provide any additional information that may be helpful. I returned the checks because I can not cash them with my ex-husband 's name on them. I have not seen or heard from my ex-husband in over twenty years since he left me. The checks total about {$3000.00}. I need my money. 
Thank you for taking the time to review my concerns. I greatly appreciate your understanding and

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
Account Name : XXXX XXXX  Account Number : XXXX XXXX Amount : XXXX Date Opened : XX/XX/year> I previously disputed this item with [ credit bureau ( XXXX ) XXXX XXXX XXXX Equifax ) and requested verification, including the original signed contract and a full accounting of the alleged amount. 


To date, I have not received proper verification, yet the account continues to be reported. This violates FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation and delete any information that can not be verified within 30 days.

I am requesting the CFPB to investigate and compel [ credit bureau ( XXXX XXXX XXXX XXXX  XXXX Equifax ) to remove the unverifiable item ( XXXX ) from my credit report and ensure compliance with federal law. 

This account is costing me and is defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: VA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX XXXX Amount : XXXX Date Opened : XX/XX/year> I previously disputed this item with [ credit bureau ( XXXX XXXX XXXX  TransUnion & XXXX  ) and requested verification, including the original signed contract and a full accounting of the alleged amount. 


To date, I have not received proper verification, yet the account continues to be reported. This violates FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation and delete any information that can not be verified within 30 days.

I am requesting the CFPB to investigate and compel [ credit bureau ( XXXX XXXX XXXX, TransUnion XXXX XXXX  ) to remove the unverifiable item ( XXXX ) from my credit report and ensure compliance with federal law. 

This account is costing me and is defamation of my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian Information Solutions , Inc . 

XXXX XXXX XXXX XXXX XXXX  XXXX Re : Formal Third Dispute Removal of Inaccurate Bankruptcies To Whom It May Concern, I am writing to you for the third time regarding the bankruptcies that you continue to report on my credit file. These accounts remain despite the fact that they have been proven unverifiable. 

Public records : XXXX  XXXX Bankruptcy Date : XX/XX/XXXX XXXX  XXXX Bankruptcy Date : XX/XX/XXXX Background Both Experian and XXXX  have been previously notified that these bankruptcies can not be verified in compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX, your primary third-party public records provider, has confirmed it is no longer reporting these bankruptcies. Without XXXX data, neither bureau has a legal basis for continuing to report these items. 

XXXX  has already removed the bankruptcies following the unverifiability of the information, demonstrating compliance with the law. 

FCRA Violations Continuing to report information that can not be verified constitutes a direct violation of : 15 U.S.C. 1681i ( Section 611 of the FCRA ) : Mandates reinvestigation and deletion of unverifiable information.

15 U.S.C. 1681e ( b ) : Requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. 

Your refusal to remove these unverifiable bankruptcies after two prior disputes is willful noncompliance. Each failure to act compounds the violation. 

Demand for Deletion I hereby demand immediate deletion of the disputed bankruptcies from my Experian and XXXX  consumer reports. Continued reporting after official notice and supporting documentation has been provided exposes you to liability for damages under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ).

If these inaccurate bankruptcies are not deleted within the legally mandated 30-day timeframe, I will pursue all remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. Additionally, I will consider legal action to recover damages for your continued violations of federal law. 

Documentation Provided Proof that XXXX is no longer reporting bankruptcies. 

XXXX  deletion confirmation. 

Prior dispute correspondence. 

Please be advised this is my final attempt to resolve this matter amicably. Failure to comply will result in escalation. 

Sincerely, 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