vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX and the continued reporting of an unverified and inaccurate account on my consumer credit reports by the consumer reporting agencies. 

XXXX XXXX XXXX is reporting an alleged debt as if I owe this company money. This account has been disputed multiple times with both the furnisher and the consumer reporting agencies. Despite these disputes, no validation, investigation results, or supporting documentation have ever been provided by any party. 

I have directly requested debt validation from XXXX XXXX XXXX on multiple occasions. The company has explicitly stated that it will not provide documentation or information to substantiate the alleged debt. Nevertheless, the account continues to be reported. This is a clear violation of my consumer rights and federal law. 

In addition, XXXX XXXX XXXX has reported inconsistent and fluctuating balances on the same alleged account, further demonstrating that the information being furnished is inaccurate and unreliable. The consumer reporting agencies have continued to publish this information despite being placed on notice of these inaccuracies. 

I have also filed an FTC report documenting this conduct as fraudulent and misleading. Continuing to report this account without validation and without a lawful investigation constitutes illegal reporting, a failure to ensure maximum possible accuracy, and a violation of my rights under federal consumer protection laws. 

Because no validation or lawful investigation has occurred, this account must be removed immediately from all consumer credit reports. Failure to remove this fraudulent reporting after repeated notice and regulatory complaints will leave no option but to pursue legal action for damages caused by this ongoing harm. 

I am requesting immediate deletion of this account from my consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA continues to report this account as a charge-off with a {$9700.00} balance to all three credit bureaus ( XXXX XXXX XXXX ) despite selling the debt to a debt collector. This violates the Fair Credit Reporting Act ( FCRA ) 623 in three critical ways : 1. Inaccurate Balance Post-Debt Sale : When a creditor sells a debt to a collector, industry standard and FCRA compliance require the original creditor to immediately update the balance to {$0.00}. USAAs continued reporting of a {$9700.00} balance is factually inaccurate because USAA no longer owns the debt. They can not owe a balance on an account they sold. This constitutes furnisher negligence under FCRA 623 ( a ) ( 2 ).

2. Failure to Investigate Dispute ( FCRA 623 ( b ) ) : I previously submitted a dispute letter to USAA requesting verification and deletion of this inaccurate account. Under FCRA 623 ( b ) ( 1 ) ( A ), furnishers must conduct a reasonable investigation of disputed information within 30 days and correct or delete information that is inaccurate or can not be verified. USAA has failed to conduct this investigation or respond meaningfully.

3. Account Closed at Creditors Request No Legitimate Reporting Basis : USAAs own remarks state Account Closed At Credit Grantors Request. USAA voluntarily closed this account and sold the debt. Under FCRA 623 ( a ) ( 1 ), furnishers may only report accurate information. An account owned by a debt collector can not be accurately reported by the original creditor as still in USAAs name with a balance owed to USAA. Reporting it as such is affirmatively inaccurate. 
CREDIT IMPACT : This inaccuracy damages my credit report by : Falsely inflating my utilization rate ( 107 % on this single account alone ) Showing an active charge-off with ongoing balance ( misleading to lenders ) Extending the perceived harm of this delinquency by maintaining false reporting Preventing my credit scores from improving ( currently 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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> a fraudulent check posted to my bank account. The check was completely typed/printed. The name it was made payable to was an absolutely ludicrous name that was obviously a fake name. On the signature line they typed the last name of the fake name on the payable to line. The endorsement on the back of the check is also typed, and does not match the payee name on the front of the check. This appears to have been a mobile deposit. And I want to know how they allowed this check to be paid and taken out of my account when there are MANY RED FLAGS showing this check to be suspicious on all accounts!!! I need answers yesterday! And I need this to never happen again! To me or anyone else! This appears to have been done by someone who knows the tricks of the banking system and knew how to print a check and how to put a fake name and fake signature and fake endorsement and still have this check clear! I am very upset. I have been banking with Chase for 26 years and nothing like this has ever happened! My trust has been broken and I need Chase to do everything possible to find the person who did this so that they can be persecuted to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-22 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I got my phone stolen in XXXX then proceeded to buy one the next morning & got a new phone number, couldnt lock or check bank account because everything was on the phone so when I finally was able to get into it i was negative {$550.00} which was unauthorized payments made through apple pay using wells fargo debit card connected to it. Wells fargo returned my money but then few weeks later remove it 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 monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MN

Complaint narrative:
Hello, I sent XXXX XXXX. XXXX XXXX and XXXX  a letter telling them that there was a collection on my credit account that is not mine and for them to do an investigation into it. XXXX XXXX and XXXX  did there investigation within the 30-day period required by law but XXXX XXXX didn't do it at all and just sent me a letter that they need my social security number and proof of address. I already sent them a copy of my drivers license and utility bill show my identity for them to do their investigation into the matter ; the law doesn't require me to send them my social security number. XXXX XXXX and XXXX  already sent me a letter that the collection isn't on my report, but XXXX XXXX just sent me a letter saying they need my social security number and proof of address, I already sent them two letters ', and they sent me two back with the same thing, they are playing games with me. I would like to file a formal complaint against XXXX XXXX and a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
XX/XX/XXXX RE : Predatory Lending questions To whom it may concern, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. had garnished my wages through XXXX and the debt was fully collected by XXXX. The garnishment process ended months ago. However, I received a new demand letter on XX/XX/XXXX. I do not understand why they failed to collect that supposed last payment due months ago during garnishment phase. Also, I question the amount they claim I still owe. 

I included the XXXX XXXX I sent to the court. XXXX XXXX made almost {$4000.00} in interest on the loan. Then they come back for more after it was paid off. Seems very shady. I admit I do not understand what the courts response means to the case. I did not see that it said Dismissed or No payment required. I do question the creditors timing for one more payment. 

Perhaps your office can help me understand the bottom line here. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX 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 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 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I want to inform you that there was a mix-up when I submitted my complaint. While processing dispute cases with my colleague, I accidentally attached documents that do not belong to me. Those files were included by mistake and are not related to my case. 

I do not own or claim any of the incorrectly attached documents. I sincerely apologize for the confusion this may have caused. I will be submitting my correct and complete documents instead to ensure accurate review of my complaint. Thank you for your understanding.

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 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: DE

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of the account being reported in my name related to my former apartment residence and am requesting full deletion of this tradeline due to inaccurate and unverifiable reporting. 

The account ledger clearly reflects that my security deposit was credited to the account ( listed as XXXX XXXX credit dated XX/XX/year> ). However, despite this credit, the balance being reported does not accurately reflect the proper application of the deposit. The remaining balance appears to include charges that were not correctly offset and contains inconsistencies related to post move-out charges and multiple past tenant write offs. 

Because the reported balance does not reconcile with the ledger and the security deposit was not properly applied, the amount being reported is inaccurate and can not be verified. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), information that is inaccurate, incomplete, or unverifiable must be removed from consumer credit reports. 

I am requesting that this account be deleted in its entirety from my credit report. If you are unable to provide documentation clearly validating the accuracy of the balance after proper application of the security deposit, deletion is required. 

Please provide written confirmation of the deletion or documentation supporting verification within the timeframe required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
I am submitting this complaint regarding MOHELAs failure to properly service my federal student loans and the resulting harm to my credit. 

MOHELA has repeatedly sent me notices stating that I am behind on my student loan payments. However, when I attempt to access my account online or by phone, MOHELAs systems state that they do not recognize my Social Security number, date of birth, or student loan account numbers. Because of this system failure, I am unable to view my account, confirm balances, make payments, or resolve the alleged delinquency. 

Despite MOHELAs inability to locate or authenticate my account, they have continued to report me as delinquent, which has caused my credit score to drop significantly. I have made multiple good-faith attempts to contact MOHELA to resolve this issue, but I have been unable to obtain meaningful assistance or correction. 

This situation represents : A failure to maintain accurate account records A failure to provide reasonable access to my account Inaccurate and harmful credit reporting Unfair servicing practices beyond my control

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: MI

Complaint narrative:
The mortgage servicer added a {$16000.00} escrow shortage to the loan without explanation, even though no escrow account existed at the time. Statements and notices were repeatedly sent to an attorney ( XXXX XXXX ) who was not representing the borrower ( XXXX and XXXX XXXX ) preventing review and correction of errors. 
Despite sending a formal Qualified Written Request / Notice of Error on XX/XX/year>, the servicer has not corrected the errors. The servicer continues to send loss-mitigation letters, apply improper fees and insurance charges, and report inaccurate balances to credit bureaus. 
The borrower requested full loan and escrow accounting, correction of the balance and fees, and cessation of inaccurate reporting and collection activity. These requests have not been honored, resulting in ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank Bill pay authorized my {$4300.00} payment to XXXX and took my funds on XXXX XXXX. XX/XX/XXXX I recieved cancellation of insurance from XXXX letter and was told they never got the payment. US Bank told me that XXXX returned the payment according to their Bill Pay company XXXX. My insurance was canceled. 

Where is my money?

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 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I am a sole proprietor offering vacation rentals and use PayPal to process credit card payments. In a chargeback submitted through their VISA card issuer, a renter fraudulently claimed I made an unauthorized recurring charge on their card. The chargeback reason was " cancelled recurring billing '' which has nothing to do with this transaction. The renter 's card was only charged once on XXXX for {$1500.00} when they voluntarily provided it to book a rental property. I received {$1400.00} after the {$30.00} PayPal fee. Renter initiated the chargeback to avoid a clearly disclosed {$300.00} cancellation fee when they cancelled XXXX weeks after booking. Renter was also a repeat customer and very aware of the {$300.00} fee. As an accommodation, I reduced the fee to {$150.00} and sent a {$1300.00} refund check to the renter. In response, renter filed a fraudulent chargeback with their card issuer claiming the {$1500.00} was an unauthorized recurring charge. Despite providing documentation that the renter knowingly and voluntarily authorized the one-time transaction as payment for a vacation rental, that the dispute was only over the {$150.00} cancellation fee, and that the renter fraudulently claimed a recurring charge, PayPal would not assist us with the chargeback. PayPal stated that chargebacks were decided by the card issuer and that card issuers sided with the cardholder 78 % of the time. On XXXX, PayPal notified me that the chargeback was decided in favor of the cardholder and PayPal charged me {$1500.00}. PayPal 's process denies merchants a fair chargeback process. The fact that they won't get involved in chargebacks and the high decision rate in favor of cardholders indicates that they do not want to challenge card issuers so they can keep processing transactions at the expense of small merchants who have limited credit card processing options. Likewise, the card issuers decide in favor of their cardholders to retain their customer 's business versus making a fair decision for small businesses that use PayPal. PayPal 's fee structure is also unfair, charging multiple fees for the same transaction. Even though I only received {$1400.00} from PayPal, they charged me the full {$1500.00} for the chargeback plus an additional {$20.00} fee, so I paid of total of {$80.00} in fees for the fraudulent chargeback when PayPal provided no assistance. I have been in business 32 years and this is my first chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
A debt company is trying to get me to pay a {$670.00} debt to them for a apartment that I never applied for i called this company after checking my voice mail and spoke to someone that said if I payed half of the debt owed they would clear the debt. Columbia genesis is the name of the debt collector ( and for the record my identity was stolen from my car getting broke in when I was in XXXX XXXX!

Company response to consumer: Closed with explanation