vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: MS

Complaint narrative:
Someone used my social to apply for so many different loans, furniture, etc and it's affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
b"I am submitting this complaint and request for deletion in front of Officer XXXX along with his body cam in case we need to move forward with the courts. \n\nMy legal name is XXXX XXXX. Security Credit Services is reporting an account tied to the name XXXX XXXX. That is not my name and I never used that name for any application, contract, or account. I did not authorize Security Credit Services to collect, store, or report anything linked to the name XXXX XXXX. I have never entered any agreement with this company and I did not approve the use of my information in any form. This situation is the result of identity fraud, where my personal information was misused under a name that does not belong to me.\n\nI filed an identity theft report with XXXX County Sheriffs Office and the incident number is XXXX XXXX XXXX. I also submitted a sworn written declaration confirming that this activity is identity fraud and that I did not authorize any account under the name XXXX XXXX. Security Credit Services failed to verify the true identity of the person who used the incorrect name and reported the account anyway. This has created confusion regarding my identity, damaged my credit, and does not reflect any activity I approved.\n\nOfficer informed me to print this complaint along with the other response you submitted with signatures of XXXX XXXX and await for the next response in case this doesn't get deleted and we have to go through the courts to get this removed.\n\nHe stated to get my updated state ID since texas updated their identifications to protect fraud so I did and I have uploaded the front and back as he stated. \n\nPlease see attached for all proof."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-11-28 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Revolut Technologies Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I opened an account with Revolut, on XX/XX/XXXX my account was restricted and I am unable to access the {$350.00} I opened the account with. Revolut has given me no reason for the restriction. And they keep telling me they are working on the review but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am submitting this complaint to dispute the reporting of an account associated with Comenity Capital Bank ( CCB/XXXX ) that is currently reported by XXXX. This is my fourth dispute regarding this account with both your company and all three major credit reporting agencies. The account is reported inconsistently across credit bureaus and contradicts information from the original creditor, making it inaccurate, incomplete, and unverifiable. 

Reporting Issues Identified : Conflicting Balances and Account Status : XXXX : {$1400.00} Open Collection/Chargeoff XXXX : {$1400.00} Closed Collection/Chargeoff XXXX : {$1400.00} Open 120 Days Late / Factoring Company Discrepant Dates : Date Opened, Date Reported, and Date of Last Activity differ across XXXX, XXXX, and XXXX. 

Equifax shows a Date Reported in the future ( XX/XX/2025 ), which is inaccurate. 

Conflicting Creditor Types and Duplicate Reporting : XXXX and XXXX identify XXXX as a collection agency, while XXXX lists it as a factoring company. 

Equifax also reports what appears to be a second entry ( MIDLANDCRE ) with differing dates, status, and classification. 

Chain-of-Title and Assignment Issues : Comenity/CCB reports a charge-off and sale/transfer of the same account, yet the balances and high balances differ between Comenity and XXXX. 

XXXX has not provided documentation proving that the debt was legally assigned, transferred, or sold. 

Because the reporting is inconsistent across both the original creditor and the credit reporting agencies, the account can not be verified or considered accurate. These discrepancies violate FCRA 623 ( a ) and 1681e ( b ), which require furnishers to provide complete and accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Subject : DEMAND FOR FEDERAL ACTION Willful FCRA & Regulation F Violations by XXXX XXXX XXXX XXXX XXXX XXXX To the CFPB Enforcement Division : I am filing this complaint because XXXX XXXX XXXX XXXX  XXXX, along with TransUnion, Experian, and Equifax, are reporting false, conflicting, and unverified information, constituting willful violations of the FCRA, Regulation F, and Florida consumer protection laws. 

Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Account in Violation : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Reported Balance : {$1600.00} Last Payment : XX/XX/XXXX Status : Charge-off Closed : XX/XX/XXXX VIOLATIONS ( DETAILED ) : 1. FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy Each bureau reports different dates, different statuses, and inconsistent payment histories, proving the furnisher failed to supply accurate, verified data. 

2. FCRA 1681i Failure to Properly Reinvestigate Previous Disputes The consumer disputed the account, yet XXXX Bank and the bureaus reinserted or maintained inaccurate data, without providing any method of verification, violating federal requirements. 

3. Regulation F ( 12 CFR 1006.34 ) Failure to Provide Required Validation Information XXXX Bank never provided complete validation, nor did they comply with the itemization date requirement. Reporting a charge-off without proof of ownership or proper accounting is a direct violation. 

4. Florida Consumer Collection Practices Act ( FCCPA, Fla. Stat. 559.72 ) Florida law prohibits furnishing false, misleading, or unverified information to a credit bureau. XXXX Banks reporting meets this definition. 

5. Potential Willful Noncompliance ( FCRA XXXX ) The repeated inconsistencies, after prior disputes, demonstrate intentional disregard for federal law. 

DEMAND FOR FEDERAL INTERVENTION I formally request that the CFPB : Launch an immediate federal investigation into XXXX XXXX XXXX XXXX ( XXXX XXXX ), TransUnion, Experian, and Equifax. 

Obtain full documentation and validation, including the complete accounting records required by Regulation F. 

Order the deletion or correction of all information that can not be legally verified. 

Require written confirmation of all actions taken. 

Failure of the furnisher to comply must result in penalties, as allowed under federal law, for willful reporting violations. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Re : Request for Validation of Debt To Whom It May Concern, I am requesting full validation of the alleged debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 809. 

Please provide the following : 1. Proof that I am legally obligated to pay this debt.

2. Documentation from the original creditor showing the amount and age of the debt.

3. Proof that you have the legal right to collect in my state.

4. A full itemized breakdown of the balance.

5. A copy of the original signed agreement. 

Until I receive full validation, you must cease reporting this account to all credit bureaus. 

This is not a refusal to pay. This is a lawful request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit standing and credit score. 
I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. Unfortunately, this promise has not been fulfilled, as the inquiries still remain on my 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 2025-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
b"OnXX/XX/XXXX, at approximately XXXX XXXX, I visited Truist Bank's XXXX, NC branch to obtain notarization of an affidavit required for pro se federal litigation in the XXXX XXXX of North Carolina. The document was a standard affidavit with a proper jurat certificate and clearly marked signature line, compliant with North Carolina notary statutes.\n\nTeller XXXX conducted an extended, improper review of my document for over 10 minutes, far exceeding the scope of identity verification. She falsely claimed no signature line existed despite its clear presence above my printed name. When I explained that her role is limited to identity verification and not substantive document review, she stated that notary XXXX was on lunch break with no alternative notary available, effectively denying me service.\n\nI then visited Truist's XXXX branch (located at XXXX XXXX XXXX XXXX, NC XXXX, phone: XXXX XXXX) where the branch manager refused to provide notary services for non-Truist documents, directly contradicting the assistant manager who confirmed availability except for high-liability items like wills. Staff provided conflicting policies with no written notice of restrictions.\n\nThis mirrors a XXXX XXXX XXXX XXXX complaint I filed against the XXXX branch. That complaint was resolved through mediation with Truist promising policy compliance, but these issues persist showing systemic problems.\n\nSubsequently, another Truist branch notarized the identical document without issue, proving the denials were arbitrary and not based on legitimate concerns. This pattern of discriminatory service denial, inconsistent policies, and improper gatekeeping by non-notary staff violates fair banking practices and harms consumers relying on advertised courtesy services."

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
NACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
On XXXX, I identified an inaccurate entry on my credit report related to JEFFERSON CAPITAL SYSTEM showing a balance of {$710.00}. I reviewed my records and confirmed that I do not owe this amount and did not open or authorize any account connected to this debt. 

After noticing the issue, I disputed the item with the credit bureau and requested validation from the company. JEFFERSON CAPITAL SYSTEM did not provide proper verification and did not respond to my request. 

The inaccurate information is still appearing on my credit report, and it is negatively affecting me. I am requesting that this entry be investigated and removed if it can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered multiple accounts that were opened or used without my authorization. Beginning in early XXXX  an unknown individual used my personal information to open several credit card accounts with various companies. These accounts accumulated fraudulent charges totaling several XXXX dollars. 

I became aware of the issue in XX/XX/year> after noticing irregular activity and receiving unexpected notifications. Upon reviewing my credit reports, I identified multiple fraudulent accounts and inquiries, including accounts from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and unauthorized auto-related inquiries from XXXX XXXX and XXXX XXXX. 

As soon as I became aware of the activity, I contacted each company to report the fraud, dispute the charges, and request that the accounts be closed and removed from my credit report. I also filed reports and began taking steps to secure my information, including placing alerts and disputing each unauthorized item with the appropriate credit bureaus. 

These actions were taken promptly after discovery, and none of the accounts or charges were created, approved, or used by me.

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 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, I sent a payment through XXXX ( PayPal ). The payout was later rejected by the receiving institution. According to official confirmation from XXXX  XXXX XXXX, the refund of XXXX XXXX  was returned to XXXX XXXX XXXX on XX/XX/year>, using the same payment route as the original transaction. 

Since then, XXXXPayPal has repeatedly denied receiving the refund. Instead of acknowledging the XX/XX/XXXX refund, they continue to send unrelated receipts from the original XX/XX/XXXX payout attempt. I have contacted XXXX multiple times, provided the documentation from XXXX  XXXX, and asked them to trace or process the refund. They have not taken any action, and recently they have stopped responding. 

I am requesting assistance to ensure the refund that was returned on XX/XX/XXXX is properly traced, acknowledged, and credited back to my original payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: OK

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.

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