vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding inaccurate credit reporting and collection activity associated with my automobile loan account with Santander Consumer USA. The vehicle connected to this account was declared a total loss and was no longer in my possession. Following the loss, insurance and GAP insurance claim processes were initiated. Despite these circumstances, Santander Consumer USA continues to report the account as open, past due, and carrying an outstanding balance of approximately {$17000.00}. The account is currently being reported with the following inaccurate and harmful information : XXXX Past Due status XXXX Profit and loss writeoff XXXX Open account status XXXX Negative payment history and charge-off reporting XXXX Outstanding balance that may not accurately reflect insurance and GAP insurance payments I respectfully request a comprehensive investigation into : XXXX. Whether all insurance and XXXX insurance payments were properly applied to the account XXXX. Why the account continues to be reported as open and past due after the vehicle was declared a total loss XXXX. The accuracy and validity of the remaining balance being reported XXXX. Whether the account is being reported in full compliance with the Fair Credit Reporting Act ( FCRA ) Due to the age of this account and multiple residential moves since the incident occurred, I no longer have access to the original insurance and GAP documentation. However, Santander Consumer USA should still possess complete account records and supporting documentation for the balance and reporting being furnished to the credit bureaus. Accordingly, I request that Santander Consumer USA provide complete validation of the alleged debt and reporting, including XXXX XXXX Payment application history XXXX GAP insurance application records XXXX Deficiency balance calculations XXXX All records supporting the current balance and account status being reported If Santander Consumer USA can not fully validate the accuracy of this reporting, I request that the inaccurate information be corrected or removed from all credit reporting agencies immediately. Thank you for your prompt attention to and investigation of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: TX

Complaint narrative:
requested that Jefferson Capital Systems provide documentation to verify the accuracy and legitimacy of the accounts they are reporting. The following items were requested but not provided : Original signed contract or application Documentation from the original creditor showing I opened the account and agreed to the terms. Full itemized account statement A complete breakdown of the balance, including fees, interest, payments, and adjustments. Proof of ownership or chain of custody Records showing when and how the debt was transferred or sold to Jefferson Capital. Date of First Delinquency ( DOFD ) documentation Required to determine how long the account can legally remain on my credit report. Complete payment history All payment dates, amounts, credits, and adjustments applied to the account. XXXX of all reported dates Including the date the account was opened, the date it became delinquent, and the date it was placed in collections. Proof the account belongs to me Because my credit reports contain incorrect name variations, I requested documentation confirming identity match. Balance validation Evidence showing how the current balance was calculated and whether it is accurate. Proof of compliance with FCRA XXXX Documentation showing Jefferson Capital conducted a reasonable investigation after my dispute. Proof of FDCPA validation notice Evidence that Jefferson Capital mailed a validation notice within XXXX days of first contact. Proof of accurate reporting across all three credit bureaus Including matching dates, balances, and status information. Proof the account is not being duplicatereported Including evidence that no duplicate months or duplicate entries exist. Jefferson Capital did not provide any of the required documentation listed above. Therefore, the accounts remain unverified under FCRA XXXX ( a ) ( XXXX ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Kabompo Holdings, Ltd.
State: OK

Complaint narrative:
Formal CFPB Complaint Narrative Companies Involved : XXXX ( XXXX XXXX XXXX XXXX XXXX Paxos Trust Company , LLC Subject : Refusal to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( {$60.00} XXXX XXXX XXXX Statement of Facts : The Asset & Custody : I initiated a blockchain transfer of {$60.00} XXXX XXXX XXXX XXXX XXXX on the XXXX XXXX XXXX XXXX XXXX standard ) to my designated wallet address provided by XXXX. On-chain ledger data confirms the funds successfully reached this address. The Custodial Infrastructure : XXXX does not operate its own XXXX custody ; all wallet generation and asset storage are handled by Paxos Trust Company , LLC, a XXXX XXXX XXXX company. Therefore, Paxos holds the direct private keys to the destination address where my {$60.00} is currently sitting. The Technical Misrepresentation : XXXX and Paxos have claimed to customer serviceand falsely asserted in responses to the CFPBthat these funds are permanently lost or irrecoverable because XXXX doesn't natively display XXXX USDT. This is a technical lie. Because Paxos holds the private keys to that XXXX address, they have the undisputed mechanical capability to access the wallet using command-line interface tools or standard node connections, sign a transaction, and bounce the {$60.00} XXXX back to the originating sender address. Precedent of XXXX XXXX : Furthermore, Paxos and XXXX parent company ( XXXX ) explicitly support and issue PayPal USD ( PYUSD ) on the exact same XXXX network. Their systems are already fully integrated with XXXX XXXX infrastructure. Claiming a total technical inability to interact with a XXXX address they own is a bad-faith excuse designed to avoid manual asset recovery workflows. XXXX XXXX : Providing generic, automated denials to federal investigators while holding a consumer 's property XXXX behind private keys they own constitutes an unfair, deceptive, and abusive business practice. Requested Resolution : I demand that XXXX and Paxos escalate this ticket to their core engineering and compliance teams to utilize their private keys to either : Execute an on-chain transfer to return the {$60.00} XXXX ( XXXX ) to the originating XXXX address XXXX OR Provide an equitable {$60.00} USD statement credit to my account balance to remedy this custody lock. Token address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is the holder of the private keys to my {$60.00} XXXX token. My Next step is contacting the XXXX on XXXX and XXXX for this practice it's not a legal or ethical practice. XXXX has now shut off my ability to use or send crypto after contacting cfpb ask them about this please?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I made a transfer via Western Union on XX/XX/year>, and was given a tracking number : XXXX. However, the number I received does not appear in the system of the bank in XXXX country where I sent the money ; the recipient went to inquire at XXXX different banks, and the number does not show up. I subsequently called Western Union regarding this situation, and they told me that the money had been picked up ; yet, in reality, it was not picked up, because the tracking number does not appear in the system.On the very same day that I called XXXX XXXX, XXXX reported this matter to the police, and they gave me a case number : XXXX. They then told me that they would investigate what had happened and provided me with a tracking XXXX asked me to wait 20 days. After calling them several times, they informed me that the money had indeed been withdrawn. I requested information regarding exactly where the money had been withdrawn so that I could investigate the matter back in XXXX, but they refused to provide any details. They then told me that they would reopen the case and asked me to wait another 20 days ; to this day, I continue to call them repeatedly, but they always give me the same response : that they have no information and that I simply need to keep waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: AL

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 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 efficiency mely 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 I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XX/XX/year> uauthorized withdrawl of XXXX to XXXX XXXX XX/XX/year> Unauthorized withdrawl of XXXX to XXXX XXXX XX/XX/year> Unauthorized withdrawl of XXXX to XXXX XXXX XX/XX/year> unauthoried withdrawl of XXXX to XXXX XXXX As soon as I realized this money was taken I contacted PayPal to ask for a refund and to ask to find out where the money was sent. They said they would need a subpoena to tell me where the money went. From my own account???? PayPal insisted this was not unusual activity since it came from the IP address that has logged in over the years. I have since found that remote access had been installed on my computer without my knowledge. However, I asked them to please look at my account usage and note I only use PayPal for my internet payment processing. Each week or two I make a deposit into the same checking account. These withdrawls are completely out of the scope of my PayPal usage and should have raised a red flag. In cases involving remote access compromise, activity may appear normal to PayPal, while still not being authorized. PayPal is not taking responsibility based strictly on the IP address log in. PayPal does not have a secure 2 step veification process and they do not send notification of unusual activity. The necessary guardrails that banks and credit card companies use are not in place with Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding my federal student loans currently serviced by Nelnet and previously associated with Great Lakes. These loans originated from my attendance at XXXX XXXX XXXX a now-closed for-profit institution that has since become associated with allegations involving deceptive practices and borrower defense claims. I attended XXXX XXXX beginning around XXXX and graduated in approximately XX/XX/XXXX. I was repeatedly told that the program would lead to strong employment opportunities, transferable college credits, and manageable student loan repayment due to expected high earnings in the medical field. Many of these representations later proved to be misleading. I am currently preparing and pursuing a Borrower Defense to Repayment application with the U.S. Department of Education. In addition to concerns involving the school itself, I have concerns regarding the servicing and continued balance growth of my federal student loans. My loans have remained in deferment, SAVE-related administrative statuses, or paused repayment periods at various times, yet the balance has continued to increase significantly due to accrued interest. I am requesting XXXX XXXX a complete servicing audit, XXXX detailed accounting of all accrued interest, XXXX review of capitalization events, XXXX confirmation that all applicable IDR adjustment credits have been properly applied, XXXX and review of whether interest accrual and balance increases were properly handled during SAVE plan litigation and administrative forbearance periods. I am also requesting preservation and review of all transfer records associated with the movement of my loans from Great Lakes to Nelnet. These loans have caused substantial financial hardship, including negative credit impact, difficulty saving money, stress associated with growing balances, and impact on my ability to move forward financially despite attempts to remain in good standing. I am requesting a full review of my account servicing history and assistance ensuring the accuracy and fairness of the balance currently being reported and collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: AL

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 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 efficiency mely 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 I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-05-21 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: EQUIFAX, INC.
State: AL

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 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 efficiency mely 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 I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I am filing this complaint against XXXX and Phoenix Recovery Group for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The account in question was previously deleted from my XXXX credit report after I disputed the accuracy and validity of the debt. However, the debt was later reinserted onto my credit profile without proper notice or certification of accuracy as required under the FCRA. Under FCRA Section 611 ( a ) ( 5 ) ( B ), if a deleted item is reinserted into a consumers credit file, the credit reporting agency must certify the information is complete and accurate and must provide written notice to the consumer within 5 business days of reinsertion. I did not receive any proper notice from XXXX regarding the reinsertion of this account. Additionally, Phoenix Recovery Group has failed to provide sufficient documentation proving that they legally own the debt or have authority to collect it. I requested validation and documentation showing transfer, assignment, or ownership of the alleged debt, but Phoenix Recovery Group did not provide competent evidence. They have continued reporting and attempting to collect the account without proper validation. I believe the actions of both companies have caused harm to my credit profile and may constitute inaccurate credit reporting and improper collection activity. I am requesting the following resolution : Immediate removal of the account from my XXXX credit report. Written confirmation that the account will not be reinserted without full compliance with the FCRA. Full documentation proving Phoenix Recovery Groups legal ownership and authority to collect the debt, including assignment records and original creditor information. Investigation into whether XXXX violated reinsertion notification requirements under the FCRA. Correction of any inaccurate or unverifiable information being reported. I request that both companies comply with all applicable federal laws and provide a written response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/year> we contacted RocketMortgage to let them know our Rocketmortgage portal showed a second loan on the same property after they attempted to try to bait us with a refinance offer. We declined the refainace but this second mortgage appeared on our dashboard with a separate loan number. The company advised it is an IT error and it would be fixed in a week. I called today XX/XX/year>- they have not fixed it. I asked for a letter advising of the error and I was told on the phone that they can not write a letter to me but I had to wait until a follow up on XX/XX/year> to see if it was fixed. In the meantime - both mortgages are due on XX/XX/year>.

Company response to consumer: Closed with explanation