vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
Requested all charges that lead to this amount with the collection agency and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding unauthorized activity and identity theft involving my Coinbase account. 

On XX/XX/year>, my email account was compromised as part of a broader identity theft attack. Using access to my email, a third party gained unauthorized access to my Coinbase account, altered account settings, and initiated multiple unauthorized on-chain cryptocurrency transfers from my XXXX wallet XXXX 

I did not authorize these transactions. I did not knowingly share my credentials, approve transfers, or intend to send cryptocurrency to external wallets. The activity occurred during a period of active account compromise and social-engineering fraud involving spoofed emails, texts, and identity-verification flows designed to impersonate Coinbase. 

Coinbase later confirmed that my account was accessed from IP address XXXX ( New York ) and that multiple on-chain transfers occurred within minutes. Coinbase subsequently closed support cases without conducting a substantive investigation or coordinating with law enforcement, despite extensive documentation and formal reports. 

This incident was part of a larger identity theft event affecting multiple financial accounts. Unauthorized ACH debits connected to the same incident were reported to XXXX XXXX, which investigated and confirmed fraud, reversing a portion of the unauthorized transactions. 

I have filed the following official reports : FBI IC3 Complaint Submission ID : XXXX FTC Identity Theft Report Report # : XXXX NYPD Police Report Report # : XXXX Despite these filings, Coinbase has stated it will not reimburse losses and has closed support cases without providing meaningful investigation results, log review, or coordination across its Security, Support, and Compliance teams. 
I am requesting regulatory review of Coinbases handling of this account takeover, including whether appropriate safeguards, investigation procedures, and escalation protocols were followed after credible identity theft documentation was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
I attempted to gain updated information regarding my loans with MOHELA however, when I contact my loan servicer, no one ever answers the phone and I have not received any written correspondence via mail.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I have repeatedly experienced servicing errors with MOHELA on my federal student loans that have prevented proper repayment and correct PSLF tracking. Since XX/XX/year>, my account was incorrectly placed in in-school deferment and administrative forbearance despite not being enrolled in school. Because of this, I was unable to make qualifying monthly payments under my Pay As You Earn ( PAYE ) plan. I was transferred between representatives with no resolution, and corrective actions promised have not been applied. I have made multiple attempts to resolve this directly with MOHELA and Federal Student Aid with no meaningful correction. The incorrect deferment and forbearance should be removed, my repayment status rectified, my monthly payment amount recalculated correctly under PAYE, and PSLF qualifying months correctly credited.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Personal Credit Card Citi / AAdvantage XXXX XXXX XXXX XXXX Describe what happened : On XX/XX/XXXX, Citibank closed my personal credit card account without prior notice. The closure was effective immediately and communicated by letter dated the same day. The notice did not provide any specific reason, factual findings, or explanation for the action.

At the time of closure : The account had been open since XXXX. 

The account was in good standing with no late payments, no returned payments, no delinquencies, and no charge-offs.

There was no allegation or indication of fraud, misuse, excessive disputes, or violation of the cardmember agreement.

All required payments had been made on time, and the account was current.

No outreach, warning, request for clarification, or opportunity to address any alleged concern was provided before the account was closed. After receiving the closure notice, I took the following actions : On XX/XX/XXXX, I submitted a formal written dispute and request for reconsideration, asking Citibank to : Provide a written explanation of the specific reason for closure.

Clarify whether the decision was administrative, compliance-based, or risk-based.

Conduct a senior-level manual review with authority to reinstate the account.

I also submitted an executive escalation request seeking review by a senior risk or executive committee.

As of the date of this complaint, Citibank has not provided a substantive explanation for the closure and has not confirmed whether a manual review occurred. The account remains closed despite a long history of responsible use and compliance.

I am submitting this complaint because the account was closed without transparency, without proportional explanation, and without an opportunity to cure or respond, despite the absence of any adverse payment or usage history.

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 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Nelnet was my service provider and I did not receive written correspondence regarding my loan status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: IN

Complaint narrative:
I am submitting this complaint regarding serious mortgage servicing errors and refusal to properly process payments by Selene XXXX, XXXX. 

I have been two payments behind on my mortgage, but for over a year ( since 2024 ) I have consistently made full monthly payments, which Selene Finance accepted and processed, despite the loan being delinquent. I can document this history with bank statements showing full monthly payments accepted by the servicer. 

Recently, Selene XXXX  refused to accept a full monthly payment, stating I must make a double payment. To comply, on XXXXXXXX XXXX XXXXXXXX, I submitted a double payment intended to cover two months.

That payment did not process.

Afterward, I received a call from a Selene XXXX  agent requesting that I submit another double payment. I informed the agent that I had already submitted a double payment on the XXXX. The agent then stated that the failure to process my payment was due to a clerical error on Selene XXXX side. 

Despite acknowledging this servicing error, the agent told me that : The payment was not processed due to Selenes clerical error ; I would need to resubmit the payment information again if I wanted the payment processed ; A manager would not be able to help, and my request to speak to a manager was denied. 

This situation is unacceptable and concerning for several reasons : Selene XXXX  acknowledged a clerical servicing error, yet failed to correct it. 

I was asked to resubmit payment information rather than having the acknowledged error remedied internally.

I was denied escalation to a manager after a material servicing error.

Selene XXXX  has now created barriers to payment, despite my good-faith efforts and ability to pay. 

No written notice, website disclosure, or prior communication informed me of any change in payment acceptance practices.

This contradicts Selene XXXX established course of dealing, in which full monthly payments were accepted for over a year while the loan was delinquent.

I am willing and able to make payments. Selene XXXX actions are preventing me from curing delinquency and are creating additional risk of harm through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: NJ

Complaint narrative:
I missed my due date on my credit card. The company ( First Progress ) froze access to the card and also blocked me from accessing my online account. Now I am unable to make the payment or use the card. When I called the company to fix the issue, they told me I would have to start a new online account, but I have to do it through the mail. This sounded strange to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
To Whom It May Concern, This email serves as a formal escalation regarding Newrezs continued mismanagement of my escrow account.

Newrez overpaid my property taxes due to your own servicing error, which caused an escrow shortage. Despite acknowledging that this error originated with Newrez, my monthly mortgage payment was improperly increased to offset the shortage rather than correcting the mistake. 

My county issued a refund check, which Newrez cashed on XX/XX/XXXX. As of XX/XX/XXXX, those funds have not been applied to my escrow account, my escrow balance remains negative, and my mortgage payment has not been corrected, despite my numerous prior contacts with customer service and escrow representatives. 

Due to Newrezs failure to resolve this matter after repeated attempts, I have now filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). This issue is being reviewed as a compliance matter involving the timely application of escrow funds and improper payment adjustments caused by servicer error.

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 2025-12-30 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I am disputing a collection account being reported by CBE Group , Inc. that I believe is inaccurate and unverifiable.

On or about XX/XX/year>, I contacted CBE Group by phone regarding this account and requested validation of the alleged debt. During that call, I was advised that CBE Group does not own the debt and can not provide validation. 

I disputed the account with XXXX  prior to the call without explaining that the debt collector could not validate the account. Despite this, XXXX  reported the dispute as verified and accurate. No validation documentation has ever been provided to me.

Because the account was verified without validation, I sent a formal written debt validation request by certified mail today pursuant to the Fair Debt Collection Practices Act. At this time, CBE Group continues to report the account despite having admitted they can not validate it.

Reporting a debt that can not be substantiated is inaccurate and unverifiable under the Fair Credit Reporting Act. Continuing to furnish this information without documentation constitutes improper credit reporting and ongoing collection activity without validation.

I am requesting regulatory assistance to require CBE Group to either provide proper validation or delete the account from my credit reports and cease collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV FUNDING LLC attempting to collect a consumer debt without providing a complete and lawful chain of title or valid assignment demonstrating legal ownership of the alleged account. This conduct constitutes multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). FDCPA Violations and Monetary Exposure : lvnv llc has failed to properly validate the alleged debt after timely dispute and continues collection and credit reporting activity, in violation of 15 U.S.C. 1692g ( b ). Lvnv llc is falsely representing the character, amount, and legal status of the debt by claiming ownership and authority to collect without providing proof of assignment or chain of title, in violation of 15 U.S.C. 1692e, and is engaging in unfair and unconscionable collection practices under 15 U.S.C. 1692f. Pursuant to 15 U.S.C. 1692k, these violations exp lvnv, LLC to statutory damages of up to {$1000.00} per action, in addition to actual damages, court costs, and mandatory attorneys fees in the event of civil litigation. FCRA Violations and Monetary Exposure : lvnv LLC is furnishing inaccurate, incomplete, and unverifiable information to consumer reporting agencies without demonstrating a lawful permissible purpose or providing documentation establishing legal ownership, in violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( b ). XXXX XXXX failed to conduct a reasonable investigation after receiving notice of dispute from consumer reporting agencies and continues to verify disputed information without substantiation. Under 15 U.S.C. 1681n, Lvnv funding llv is liable for actual damages, statutory damages of {$100.00} to {$1000.00} per violation for willful noncompliance, punitive damages, and reasonable attorneys fees and costs. If violations are found to be negligent under 15 U.S.C. 1681o, lvnv funding llc remains liable for actual damages and attorneys fees. Additional Violations Increasing Legal Liability : If XXXX XXXX XXXX altered, re-aged, or reported an inaccurate date of first delinquency, such conduct violates 15 U.S.C. 1681c ( a ) ( 4 ) and materially increases statutory and punitive damages exposure. Any access to or use of my consumer report without documented proof of lawful ownership or a permissible purpose violates 15 U.S.C. 1681b, subjecting lvnv funding to statutory damages of up to {$1000.00} per unauthorized access, along with punitive damages. Demand for Resolution : Due to the severity and volume of the above violations and the associated monetary liability, I demand immediate deletion of all lvnv llc XXXX tradelines from all consumer reporting agencies, written confirmation that lvnv llc will cease all collection activity, and full correction of my consumer credit file. Failure to resolve this matter will leave me no alternative but to pursue all available civil remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I am filing a complaint against Gulf Coast Collection Bureau ( GCCB ) for repeated and improper collection calls. I am not the patient and am not financially responsible for the medical account at issue. 
Between XX/XX/year> and XX/XX/year>, I received at least thirteen calls from GCCB from phone numbers XXXX and XXXX. The repeated voicemail message states : Hi, this is XXXX XXXX calling from GCCB. Please contact me or any of my representatives I answered one of these calls and clearly informed the caller that I am not the patient and have no responsibility for the debt. Despite this, the calls continued over a period of months.

These repeated contacts constitute harassment and improper third-party collection efforts. I am requesting that GCCB cease all contact with me immediately and that this conduct be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2025 I made an ATM deposit using my debit card at XXXX at the Chase Bank XXXX XXXX XXXX for {$4600.00}. 
The ATM gave me an error receipt. I contacted the bank they said they were investigating it and declined my claim, I opened another claim with them again and waited 5 business days and they said the same thing. Im out of {$4600.00} and no answer from the bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I explicitly instructed Credit Acceptance Corporation to stop calling me and to communicate with me only in writing. Despite this request, they continued to contact me by phone.

These calls occurred after I revoked consent for telephone communication. This behavior is harassing, disregards my consumer rights, and violates federal consumer protection laws.

I am requesting that Credit Acceptance Corporation be required to cease all telephone communication and communicate strictly in writing only. I am also requesting documentation showing how they justify continued calls after my request.

I am preserving all call logs and evidence.

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