vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
This is my THIRD request for a clear and concise record of all payments that I have made! The Information I received via postal mail from XXXX XXXX  as well as the online portal/ Self service app is UNCLEAR and INACCURATE! I have requested help from Consumer Finance.gov and have not been supported in rectify this dilemma. CFBP always closes my case and am advised to provide FEEDBACK only! This is MY THIRD REQUEST for a clear accurate WRITTEN LEDGER and or record of all money received and what has been paid.. I will be attaching to this complaint the written document that was received from XXXX XXXX  it was inaccurate unuseful. I was ONLY send information on XXXX. I also have received a mortgage statement showing to conflicting amounts! When I make a payment I am then advised that it was incorrect. My payment plan was UNFAIRLY terminated based on the wrong information I was provided. I NEED HELP!!!!!!!!!!!!!!!! I NEED TO KNOW what I owe! I will also be attaching to this complaint a screenshot from my self help App that I saved on XX/XX/XXXX at XXXX stating that my XXXX and XXXX mortgage was unpaid. Then today I received in the mail a mortgage statement showing that I owe XXXX XXXX and XXXX!!! The online app shows that I need to pay {$4900.00} then I received today a mortgage statement that shows that I need to pay XXXX!!! I NEED HELP! I MAKE a Payment and then am advised its incorrect! This keeps happening three times to be exact! I NEED HELP! I NEED HELP and Im not getting the support i need. Please dont CLOSE this complaint out until my request have been granted I will keep opening up complaints until then!

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 2025-12-24 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) 281 SW 715. 719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4. 


SOMEONE ELES CREDIT CARDS. 
THEY HAVE FILLED BANKRUPTCY. 
I WAS ONLY AN AUTHORIZED USER. 
THE DEBT DOES NOT BELONG TO ME. 
I NEVER USED THE CARDS OR HAD ACCESS TO THE ACCOUNTS.

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 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
My vehicle was declared a total loss by XXXX XXXX following an accident. Santander Consumer USA is the lienholder on the auto loan. 

During a phone call with Santander, I was informed that they received notice of the total loss on XX/XX/2024. Despite this acknowledgment, Santander has not finalized the insurance payoff and continues to accrue interest and require monthly payments. 

Santander  representatives state they are still waiting for supporting documentation from XXXX XXXX ; however, they are unable to clearly identify which documents are missing. Different representatives provide inconsistent explanations, and there appears to be no single department or individual accountable for resolving the total loss. Calls are frequently transferred, and representatives often state they are unsure of the status of the claim. 

XXXX XXXX has informed me that they have followed up multiple times since the total loss determination and have attempted to provide all required documentation. Despite these repeated follow-ups, Santander claims the file remains incomplete. 

Due to this lack of coordination, I have been forced to repeatedly contact both Santander  and XXXX to relay information between them, effectively acting as a middleman between XXXX large companies that should be communicating directly. 

As a result of Santanders internal delay and servicing issues, I continue to be charged interest and required to make payments on a vehicle that no longer exists. In addition, because the loan remains open and unresolved, I have experienced difficulty obtaining financing for a replacement vehicle, causing ongoing financial and logistical hardship in my daily life. 

Payments made after XX/XX/2024, are largely interest and do not meaningfully reduce the balance, since the insurance settlement will be applied to principal once accepted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — Store credit 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Final Notice Demand for Deletion of Inaccurate and Unverifiable Account Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( ending in XXXX ) To Whom It May Concern, This letter serves as formal notice that Experian continues to report materially inaccurate, contradictory, and unverifiable information regarding the above-referenced account, despite multiple prior disputes and the submission of supporting documentation. 

Specifically, Experian is reporting internally inconsistent data, including but not limited to : An account simultaneously reported as charged off and current Conflicting balances and payment histories across reporting periods Furnisher documentation that does not match the tradeline being reported A closed account reporting a current balance and utilization, which is not permissible under FCRA accuracy standards These contradictions alone establish that the information can not be verified as accurate under the Fair Credit Reporting Act. 

Under 15 U.S.C. 611 ( a ) ( 1 ), Experian is required to conduct a reasonable reinvestigation. Merely transmitting an automated e-OSCAR inquiry and accepting a furnishers generic response does not satisfy this obligation when clear inaccuracies and inconsistencies are present.

Further, under 15 U.S.C. 611 ( a ) ( 5 ), information that can not be verified must be promptly deleted.

Experian is also in violation of 15 U.S.C. 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Reporting internally conflicting data fails this standard as a matter of law. 

This letter places Experian on actual notice that continued reporting of this account constitutes willful non-compliance, not a good-faith error. 

Accordingly, I demand the following : 1. Immediate deletion of the XXXX XXXX XXXX XXXXXXXX XXXX XXXX account from my Experian credit file 2. Written confirmation of deletion 3. Disclosure of the specific method of verification, including : The name of the verifying party The documentation relied upon The date and manner of verification If this account is not deleted, or if Experian fails to provide competent verification, I am prepared to pursue all available remedies, including complaints to the CFPB, New York Attorney General, and civil action for violations of the Fair Credit Reporting Act. 

This is not a request. 
It is a final opportunity to cure.

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 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Possible Financial Inc
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This entry is not mine and appears on my report due to inaccurate reporting; please investigate and correct this mistake.

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 2025-12-24 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: IL

Complaint narrative:
This entry is not mine and appears on my report due to inaccurate reporting; please investigate and correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This stems from a case that was opened on XX/XX/2025, online. Wells Fargo has repeatedly denied my claims even though it's clear that it is a fraud transaction. Wells Fargo is denying my claims due to XXXX denying their reimbursement, so instead of Wells Fargo taking care of their customers they're passing the buck to me and taking my funds away even though they know this is fraud. I finally received the final investigation report done by the city of XXXX Police Department which proves that the company did not exist/does not exist and should be deemed as a fraud transaction and I should have my funds refunded back to my account. I'm requesting that this case be reopened. Not only due to this report, but also the documentation that Wells Fargo sent themselves to me shows that this is a fraudulent transaction as the time of supposed deliverance is before the actual time of the actual transaction and it's different from the time that the transaction was processed and approved and this is clear in their own report which clearly shows that Wells Fargo nor did XXXX actually review the documentation because this is clear to find. 
Reference : Complaint IDs XXXX and 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 2025-12-24 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: NM

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'I was a victim of fraud and identity theft . My funds were stolen through the employment development department and the Bank of America. I have submitted a 12 page police report and also another 17 page police report along with a letter from the district attorneys office of XXXX  county as proof I was a victim of identity theft. Here are my claim numbers and claim amounts that the bank has still not paid starting back in 2019 and forward. I do not have the exact transaction dates but the Bank of America pre paid cards operations has them. 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 2025-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld System Inc. ( TSI ) is attempting to collect a medical debt of {$290.00} for services allegedly provided by XXXX XXXX on XX/XX/year>. 

I timely disputed this debt in writing and provided supporting documentation showing that the amount being collected is incorrect. Prior to the service, XXXX XXXX verified my doctor 's blood test order and my insurance coverage and confirmed that my maximum patient responsibility ( copay ) would be {$57.00}. I have written confirmation from XXXX XXXX documenting this amount. 

Despite receiving this documentation, TSI rejected my dispute without addressing the discrepancy and continues to pursue the full balance of {$290.00}. TSI has not provided adequate validation or evidence explaining why the amount exceeds the confirmed copay. 

I believe this conduct violates the Fair Debt Collection Practices Act ( FDCPA ), including the requirement to meaningfully review disputes and provide proper validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB Management Services is reporting a collection account on my XXXX credit report that is inaccurate, contradictory, and has not been properly validated. 

The account is reported as a collection with a balance of {$5000.00} past due, while simultaneously indicating 0 % paid off. These statements are materially contradictory and can not both be accurate. This constitutes inaccurate and misleading credit reporting. 

NCB Management Services is listed as a debt buyer, yet has not provided proof of ownership of the alleged debt, a complete chain of title from the original creditor, or a copy of any signed agreement showing I have a legal obligation to pay this debt.

Despite the account being formally disputed, NCB Management Services verified the account through the credit bureau without providing documentation to substantiate accuracy or authority. Automated verification does not satisfy the Fair Credit Reporting Acts requirement for a reasonable investigation. 

Additionally, my credit file contains an active fraud/identity theft alert, which requires heightened verification. NCB Management Services has continued reporting without demonstrating that the account is not the result of fraud or identity misuse. 

NCB Management Services actions appear to violate multiple federal consumer protection laws, including but not limited to : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information that is inaccurate or misleading FCRA 611 Failure to conduct a reasonable investigation FDCPA 809 ( 15 U.S.C. 1692g ) Failure to properly validate a disputed debt FDCPA 807 False or misleading representation of the status of a debt A debt can not be simultaneously 0 % paid off and past due, and such reporting materially harms my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NM

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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