vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX, MD XXXX XX/XX/2025 Southwest Credit Systems LP XXXX XXXX XXXX XXXX, TX XXXX Re : Debt Validation Request ( FDCPA ) No Account/Reference Number Provided Amount Reported : {$800.00} Listed on Credit Report As : Southwest Credit Systems LP ( Last reported XXXX XX/XX/2025 ; Opened : XX/XX/2025 ; Remarks : Placed for collection ) To Whom It May Concern : I am writing to request validation of the debt that your company is reporting under my name. I do not have an account or reference number available at this time. This letter is not a refusal to pay ; it is a request for verification and documentation of the alleged obligation.

Please locate the account using my identifying information on file and provide the following information and documents so I may evaluate the accuracy and legitimacy of this account : 1. The amount owed with a detailed itemization ( principal, interest, fees, and any other charges ), including the date each amount was added.

2. The name and address of the original creditor, the date of default, and the date the account was opened.

3. A copy of any contract, agreement, or application bearing my signature ( or other proof I agreed to the debt ).

4. A copy of the most recent account statement from the original creditor and/or a payment history showing how the balance was calculated.

5. Documentation that your company has the legal right to collect this debt, including the chain of title/assignment ( bill of sale/assignment ) showing transfer from the original creditor to your agency ( or current owner ), with account-level identification.

6. The name of the current creditor/owner of the debt ( if different from the original creditor ) and their contact information.

7. If you have reported this account to any credit bureau, please provide the name ( s ) of the bureau ( s ) and the date ( s ) reported.

During the validation process, please note the following : All communications should be in writing and sent to the mailing address listed above.

If this account is being reported to the credit bureaus, please ensure it is marked as disputed while you investigate and provide validation.

If you can not provide the requested validation, please confirm in writing that you will cease collection efforts and request deletion or correction of any inaccurate credit reporting associated with this account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
Company not applying payments made for over a month, this company does not apply the payments in time then sends a letter of intent to foreclosure even though active payments are being made. I asked the company for proof of communication dates and times they claim to have been to my home, they then sent an email to me stating that no more calls or emails would be accepted on my account. Ive continued to make payments every two weeks so money is always going to my account. They have reflected no payments made since XX/XX/XXXX when in fact I've made 4 payments the last one being XX/XX/XXXX. They verbally assault you and tell you there not taking money from you there taking your home. This abuse has to stop! Now they have issued foreclosure notice but it's then not applying money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MD

Complaint narrative:
I am filing this dispute regarding inaccurate and unverifiable information appearing on my TransUnion credit report. These entries do not appear to be reported accurately and are causing ongoing damage to my creditworthiness. 

CHARGED OFF ACCOUNTS XXXX  XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX | Balance : {$510.00} XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX | Balance : {$710.00} These accounts require proper verification, including proof of ownership, accurate balances, and complete reporting history. 

INQUIRIES XXXX OF XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am disputing these inquiries due to a lack of clear authorization or permissible purpose. 

LATE PAYMENTS XXXX  Account No. XXXXXXXX XXXX XXXX XXXX XXXX Late payment reporting on this account appears inaccurate and should be investigated.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX XXXX XXXX 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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America XXXX claim # XXXX Date of disputed charges : XX/XX/year> XXXX Charges totaling : {$10000.00} XXXX reported fraudulent credit card charges to Bank of America and disputed them as unauthorized. The bank initially reversed the charges but later reinstated them and denied my claim. 
Bank of America states that I told them the charges were valid. This is untrue. I never authorized these transactions and never stated they were legitimate. I sent Bank of America copies of my time-sheets from my employer proving I was not in the location when the transaction occured. 
The denial appears to be based on incorrect or false internal documentation. 

I am requesting that Bank of America provide evidence supporting their claim, including call recordings, transcripts, or internal notes, and properly investigate my fraud dispute. 
I am seeking a corrected investigation, removal of the disputed charges, and confirmation that my credit will not be negatively affected due to the banks 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 2025-12-22 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I attempted to obtain another Installment Loan with the Ace Loan located on XXXX XXXX XXXX XXXX, OH XXXX. The older XXXX  lady who worked on XX/XX/year> was very rude when I questioned over the phone what was needed ro obtain another installment loan and did not understand that I had a pension not an annual social security letter. She then belittled me by calling me XXXX and XXXX  which also made me feel uncomfortable due to the XXXX XXXX  of these very personal inappropriate verbal names. I was unable to even continue my ability to obtain an installment loan due to her gross disrespectful and unprofessional attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

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 XXXX 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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> 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 2025-12-22 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: GA

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 XXXX 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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> 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 2025-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
Mohela determined that I satisfied XXXX in XXXX. DOE disagreed but found that I would qualify for discharge in XXXX. The past couple of years, both my servicer and DOE have claimed different parts of the process and neither can help me. I called DOE and was encouraged to apply for a buy-back for the XXXX payments they had then determined I need to add to satisfy PLSF. I applied and they said I was ineligible for buy-back because I had already satisfied the terms of XXXX. Neither the servicer nor agency can resolve this issue. My payment amount is doubling this month. Who knows why? Please help!

Company response to consumer: Untimely response
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Loan was paid off on XX/XX/year> and I have been trying to get this resolved since then with no resolution. I can't get my title or do anything with the XXXX XXXX there's an electonic lien on it.

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 2025-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A Macy 's credit card was opened under my name on XX/XX/XXXX and credit monitoring flagged the account on XX/XX/XXXX. I contacted the credit department, they identified that this account had been opened, and orally confirmed they would lock/cancel the account and open an inquiry into fraud. I have not received a case number or account number from the credit service provider regarding this issue.

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 2025-12-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of XXXX XXXX. XXXX ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-22 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: TN

Complaint narrative:
I am submitting this CFPB complaint to dispute inaccurate, unauthorized, and unverifiable information on my TransUnion credit report. The continued reporting of these items has negatively impacted my creditworthiness and does not comply with federal reporting standards. 

Unauthorized / Unverifiable Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these entities to access my credit report, or TransUnion has failed to provide proof of permissible purpose. These inquiries must be removed if they can not be fully verified. 

Late Payments in Dispute XXXX XXXX  Account No. XXXX XXXX XXXX  Account No. XXXX These late payments are inaccurate and misleading. TransUnion is required to investigate and remove any information that can not be validated with complete and accurate records.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
there are 4 fraudulent inquiries in my credit report. help me to remove these inquiries please. Thank you.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA XXXX by continuing to report unverifiable information after multiple disputes.

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 2025-12-22 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: CA

Complaint narrative:
I am submitting this complaint regarding a charged-off auto loan reported by XXXX XXXX that appears on my credit report.

This account became delinquent during the XXXX pandemic due to significant health-related and financial hardship beyond my control. The hardship was temporary and directly related to the national emergency period. 

This negative account has now remained on my credit report for approximately XXXX years. Given the extraordinary circumstances surrounding the XXXX  and the length of time that has passed, I believe the continued reporting of this account is no longer fair or reflective of my current creditworthiness. 

I respectfully request that this account be reviewed for removal or adjustment consistent with consumer protection principles and Fair Credit Reporting Act standards, especially as they relate to pandemic-related hardship. 

I am requesting CFPBs assistance in facilitating a fair resolution, including removal or suppression of this negative tradeline from my credit report.

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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: IN

Complaint narrative:
This is a formal complaint regarding illegal debt collection and credit defamation involving a XXXX XXXX XXXX XXXX. 

Timeline of Dispute In XXXX XXXX, I formally initiated XXXX XXXX ( Case No. XXXX ) regarding a catastrophic engine failure in my XXXX XXXX XXXX XXXX. Shortly after, in XX/XX/XXXX, a certified manufacturer technician officially declared the vehicle unrepairable. Under the FTC Holder Rule ( 16 C.F.R. 433.2 ), my legal obligation to pay is subject to the claims and defenses I have against the seller. Since the car is a " dead asset, '' I have a total legal defense against the debt. 

Life-Safety Hazard ( New Development ) As of XX/XX/XXXX, the vehicle is subject to a High-Priority Safety Recall ( XXXX # XXXX ) for an engine starter fire risk. The manufacturer has stated that there is " NO REMEDY AVAILABLE '' for this defect. The car is currently a fire hazard and can not be safely parked near my home or property. 

Abusive Collection and Credit Misconduct ( UDAAP & FCRA ) Despite having full notice of the XXXX legal filing, the XXXX unrepairability declaration, and the XXXX fire recall, the Respondent ( CarMax Business Services, LLC ) has engaged in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Illegal Debt Collection : Continuing to demand payments and accrue interest on a valueless, unrepairable asset. 

Credit Defamation : Willfully refusing to mark the account as " Disputed by Consumer '' in violation of the Fair Credit Reporting Act ( FCRA ), causing severe and ongoing damage to the Claimant 's credit score. 

Bad Faith Coercion : Attempting to use credit destruction to force a settlement while their legal counsel uses defamatory personal attacks in the arbitration portal to delay a merits-based ruling. 

Requested Resolution I am requesting that the CFPB compel the Respondent to : Cease all collection activity immediately. 

Cease all negative credit reporting and update all bureaus to show the account as " Disputed '' per the FCRA. 

Cancel the debt in full as a remedy for the seller 's breach and the vehicle 's unrepairable status.

Company response to consumer: Closed with non-monetary relief