vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXubject : Request for Debt Validation Pursuant to FDCPA XXXX ( XXXX U.S.C. XXXX ) Dear Jefferson Capital Systems , LLC, I am writing in response to your letter dated XX/XX/year> regarding the alleged debt you claim I owe of XXXX. Please be advised that I am requesting validation of this debt as is my right under the Fair Debt Collection Practices Act ( FDCPA ). 

Until you provide the documentation requested below, please cease all collection activities and do not report or continue reporting this debt to any credit reporting agency. 

Please provide the following : XXXX. The name and address of the original creditor and the original account number. 
XXXX. The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges added. 
XXXX. A copy of the original signed agreement or contract establishing the debt. 
XXXX. Documentation showing that Jefferson Capital Systems , LLC has the legal right to collect on this debt ( chain of title or assignment from the original creditor ). 
XXXX. The date of last payment or activity on the account, to confirm whether the debt is within the statute of limitations for collection in my state. 

This letter is not a refusal to pay but a formal dispute of the alleged debt until proper validation is provided. I request that all future communications regarding this matter be in writing only. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: WA

Complaint narrative:
I am submitting this follow-up regarding a prior dispute about multiple unauthorized inquiries that remain on my credit report. These inquiries were made without my authorization and without a permissible purpose in violation of FCRA 604 ( 15 U.S.C. 1681b ), and they appear to result from a mixed file or mistaken identity.

The unauthorized inquiries are reported as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-15 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/year> -Balance {$0.00}

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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
What happened : I was instructed by Chase representatives to change products and pay an annual fee in order to restore benefits on my Sapphire account. After following those instructions and waiting for an IT fix, approximately XXXX Ultimate Rewards points disappeared from my account ( leaving about XXXX ). This prevented me from booking Christmas travel using points. 

Timeline with dates, amounts, and actions : XX/XX/XXXX : I applied online for Chase Sapphire Reserve. During application, Chase advised I was ineligible for the welcome bonus. 
Action ( company ) : Customer service told me to downgrade my existing Sapphire Preferred ( held XXXX years ) to XXXX to become eligible for Reserve. 
Action ( me ) : I followed the instructions and downgraded. 

XX/XX/XXXX : Despite following those steps, I was denied or told I would not receive any bonus even if approved. I declined to proceed. 
Action ( me ) : Requested to reinstate Sapphire Preferred. 
Action ( company ) : I was told I would not retain the prior XXXX redemption benefit through XX/XX/XXXX, which other long-time Preferred cardholders still had. 

XX/XX/XXXX I filed a formal complaint with Chase Executive Office. 
Reference : XXXX. 

XX/XX/XXXX : Executive Office representative XXXX contacted me. 
Action ( company ) : XXXX instructed me to upgrade Freedom Sapphire Preferred and pay the annual fee so they could work with IT to restore my prior benefits. 
Action ( me ) : I upgraded as instructed and paid the annual fee of {$95.00}. 

XX/XX/XXXX : After roughly XXXX months of waiting for the IT restoration, I logged in and discovered my points had been wiped out from XXXX to XXXX. 
Action ( me ) : I contacted Chase to report the error and request immediate restoration. 
Impact : I missed booking Christmas travel using points because my balance had been erased. 

Amounts involved : ( 1 ) XXXX Ultimate Rewards points ( lost ). 

( 2 ) XXXX points remaining. 

( 3 ) {$95.00} annual fee charged to upgrade per Chases direction. 

( 4 ) Out-of-pocket costs/time due to inability to book award travel for Christmas [ dates ].

Why Im filing : I followed Chases written/oral instructions in good faith. The loss of points appears to be the result of a Chase IT/account reset during their attempt to restore benefits. I seek CFPB assistance because internal escalation has not resolved the issue and has caused financial harm and lost opportunity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: OH

Complaint narrative:
I have always paid on my student loan since XXXX  with nothing happening besides my loan servicer changing from XXXX XXXX, to navient and now Mohela. When I call they sometimes forget to change the name but I have been getting calls non stop about payments. So when I did answer them they said if I paid {$72.00} to then they would stop calling me for a month. They have been harassing me about paying when I have explained to them my current situation. I had a family member pass away recently and had to deal with the funeral. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also had to add another dependent into my household because of this. XXXX not saying I didnt want to pay they gave me no other options either pay {$700.00} or {$400.00} with no other option. XXXX tired and I have my own health issues that dealing that probably will end with them not even getting anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Advance Bureau of Collections
State: GA

Complaint narrative:
Reference the law FCRA 1681 S2B. XXXX XXXX close out on this debt XXXX XXXX. I have tried numerous times to get full validation including itemized statements and contracts to prove that this account is legally enforceable. The company has not sent me anything. It has been five years this collection has been on my credit now it is showing up as a charge off. This has hurt my credit tremendously and I can't find a home for my kids due this collection been on my credit. IF this account can not be fully validated, I request that it be permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am submitting this complaint regarding my mortgage with PNC Mortgage. I am experiencing multiple issues that I believe violate my rights as a borrower and federal servicing regulations : Unauthorized Property Visit : On XXXX XXXX XXXX, an individual came to my property without prior notice or authorization while I was not home. The person had a camera ready to take photographs of my property. I received a Notice of Possible Appraisal dated XXXX XXXX XXXX after this visit occurred. This unapproved and premature visit raises concerns about privacy violations and improper servicing practices under RESPA ( 12 CFR 1024.41 ).

Unreasonable Document Deadlines : PNC provided only one and a half weeks to review and return loan modification documents. This is an unreasonably short timeframe that does not allow sufficient time to review the offer or seek legal/financial guidance. 
Denial of Payment Modification Due to Reduced Income : Despite providing documentation of my income reduction, my request to modify the loan to a lower, affordable monthly payment was denied. I am requesting reconsideration and a fair review of my application in compliance with Regulation X and CFPB mortgage servicing guidelines. 
Interest Rate Increase : My current interest rate increase has created undue financial hardship. I request that my original 3.75 % interest rate be reinstated or that I receive a loan modification that reflects my reduced income and ability to pay. 
Requested Resolution : I request the following actions from PNC Mortgage : Provide a written explanation for the unannounced property visit, including the individuals name, company, and purpose. 
Reinstate my original 3.75 % interest rate or adjust my monthly payment to reflect an affordable and sustainable payment plan. 
Reevaluate my loan modification application fairly and in compliance with RESPA and CFPB guidelines. 
Confirm that PNC Mortgage will cease all unauthorized property visits or appraisals without prior written notice. 
I am submitting this complaint to the CFPB to ensure that PNC Mortgage is held accountable and to protect my rights as a homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT 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 XXXXXX/XX/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 2025-10-15 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: AR

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
In XXXX, the U.S. Department of the Treasury applied {$620.00} from my IRS tax refund toward a debt with the Army & Air Force Exchange Service ( AAFES ) that I do not owe. I later discovered this debt was the result of identity theft that I originally reported back in XXXX, when I filed a police report for identity theft and forgery. 
In XX/XX/XXXX, I contacted both AAFES and the Treasury to dispute the debt and was instructed to send proof of fraud. I provided a copy of the XXXX police report, an updated affidavit of forgery/identity theft, and valid identification. 
In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX stating I owe {$8700.00} for this same AAFES account. I again disputed the debt in writing, resubmitted my police report and affidavit, and explained that this account was opened without my authorization. Despite providing proof of fraud, XXXX continues to report and pursue the debt, and the Treasury has not refunded the offset funds or halted future offsets. 
XXXX XXXX is violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by continuing collection activity after receiving valid fraud documentation. 
I am currently unemployed and under financial hardship. This situation has caused financial loss, emotional distress, and ongoing hardship. I am requesting that XXXX XXXX permanently remove the fraudulent account, that AAFES and the Treasury Offset Program cease all offsets, and that written confirmation be provided showing the matter is closed and resolved.

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 2025-10-15 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
There was an issue with the bank.I dont remember if I closed my account or they closed it. But they said they would send me the money balance on a check. I did get a check but the account still shows up on my other bank. Whenever I call citi bank, that was the bank with the supposed closed account they say they can not provide any information because they dont have an account number and they are never able to give me information if the account is closed if I still have an account. Also when I speak with someone on the phone they are extremely difficult to understand. Basically they can not let me know if I have an account or not. And it goes on an endless loop and I am just trying to confirm if the account was indeed closed. It's very suspicious. Because if the account was closed why is it still appearing on my other banks. So I really would need citi bank to figure out how to confirm for me the status of my account with their bank. I used to have an account with them. They should be able to tell me if the account is active or not. It's very weird they can not. Any other bank is able to do this. They can't be the only bank incapable of doing something so simple. I just want to know if my account is really closed. Could I open a new account? Is that an option. They are never able to tell me straight out. They just say we can't do anything.

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 2025-10-15 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XXXX XXXX XXXX regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX 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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
In XX/XX/year>, I disputed an account reported by Aargon Agency Inc that appears on my XXXX  credit report. I have disputed this account multiple times and continue to dispute it because the debt is not mine. 

After contacting the XXXX XXXX XXXX XXXX directly, I was informed that they had mistakenly added another persons debt to my file. Despite acknowledging this error, the balance was sold to a collection agency, and the company has continued to report the inaccurate account. 

On XX/XX/year>, the investigation was completed and marked the account as verified, even though the information provided by Aargon was inaccurate. I have requested the method of verification from and have also sent a debt validation request to Aargon, but neither party has corrected the mistake or provided me with information regarding verification. There is no way that this debt is being validated for this amount for a single gym membership. 

This error has caused significant harm to my credit report and violates the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ).

I am requesting that : A thorough reinvestigation is conducted. 
The inaccurate account be deleted from my credit reports across all bureaus. 
Written confirmation of the correction be provided.

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 2025-10-15 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: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XXXX  -Balance {$0.00}

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am disputing the way SYNCB is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, SYNCB, with account # XXXX XXXX XXXX XXXX XXXX, reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

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