vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this dispute to address several discrepancies found on my credit report across the XXXX major credit bureaus : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX These errors involve charged off accounts, inquiries, and late payments. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$10000.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
This is my first notice of any alleged debt from Southwest Credit Systems. I never received a bill, statement, letter, or prior communication of any kind. The only notice I received was when this account suddenly appeared on my credit report. Because I did not recognize the account and had no prior documentation, I immediately exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) 1692g and requested full written validation. 

Southwest Credit Systems has not provided any validation or proof that this debt belongs to me. They have not produced a signed agreement, an itemized account history, the amount allegedly owed, or any evidence that they own or have legal authority to collect this debt. They have also failed to provide proof of assignment or chain of title from the original creditor. 

Despite failing to validate, they continue to report and furnish this unverified account, which is a violation of : FDCPA 1692g ( b ) continuing collection activity without validating the debt FCRA 1681e ( b ) failing to assure maximum possible accuracy FCRA 1681s-2 ( b ) failing to reasonably investigate disputed information Ala. Code 8-19-5 ( 27 ) misrepresenting the legal status of a debt ( Alabama Deceptive Trade Practices Act ) Because I never received prior notice and Southwest Credit Systems has not produced any documentation, I am concerned this may be the result of identity compromise, as I have been included in several data breaches ( including the XXXX  XXXX  breach ) as well as unknown length of compromise of my sensitive and personal identifiers from other issues as well. 

Southwest Credit Systems is reporting a debt they can not validate, never notified me about, and can not legally substantiate causing harm to my credit profile and violating both federal and state law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this dispute to address several discrepancies found on my credit report across the three major credit bureaus : XXXX  ( XXXX ), Experian ( XXXX ), and XXXX  ( XXXX ). Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : [ Account Name ] Account Number : [ Account Number ], Account Date : [ Account Date ], Balance : [ Balance ] Inquiries : XXXX XXXX, Date : XXXX XXXX XXXX, Date : XXXX XXXX XXXX  XXXX, Date : XXXX XXXX XXXX XXXX XXXX, Date XXXX XXXXXXXX XXXX XXXX, Date : XXXX XXXX XXXX XXXXXXXX, Date : XXXX XXXX XXXX XXXXXXXX, Date : XXXX Late Payments : XXXX XXXXXXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, Account Number : 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 2025-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I have a negative current balance on a loan. I tried calling Mohela customer service and the phone tree never gives you any options to talk to a representative. It tells you to go online and look for information on their website. This is a billing issue and I need to talk to a person. I've selected every option give and the message just repeats itself.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet continues to furnish false, conflicting, and unverifiable delinquency information to XXXX  on my federal student loan account. Despite my prior complaint, Nelnet has still not provided the legally required documentation to verify the information they are reporting.

Details of Violations : Nelnet is reporting several months as Payment Deferred while also reporting those same months as 180 days past due.

These two statuses can not exist at the same time on a federal student loan. This is inaccurate, misleading, and in direct violation of FCRA 1681e ( b ) ( duty of accuracy ).

Nelnets previous CFPB response failed to include : Promissory note Payment ledger showing due dates and posting dates Date of First Delinquency ( DOFD ) Deferment documentation Forbearance records Servicing transfer history These records are mandatory when a furnisher verifies disputed information under 15 U.S.C. 1681s-2 ( b ).

Without these documents, Nelnet can not lawfully verify any of the delinquency data they furnished to XXXX. 

Why This Requires CFPB Action : The conflicting deferment vs. delinquency reporting shows the data is objectively inaccurate.

Nelnets failure to provide verification documents shows the data is unverifiable. 
XXXX  update without proper verification shows a defective reinvestigation under FCRA 1681i.

This is harming my credit, blocking approvals, and is materially misleading.

Requested Resolution : I request that the CFPB require Nelnet to : Produce ALL required records ( ledger, DOFD, deferment, forbearance, promissory note, servicing transfer ).

Conduct a lawful reinvestigation under 1681s-2 ( b ).

Correct or delete all inaccurate or unverifiable delinquency reporting from the credit bureaus.

Provide written confirmation of the investigation results.

If Nelnet can not verify these items with the required documentation, all negative reporting must be deleted.

I am submitting this as a new complaint because the issues are ongoing and Nelnets prior response to the CFPB was incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
I am writing to formally notify Experian Equifax and TransUnion that I am a victim of a data breach. I am requesting all accounts related to this breach be blocked and deleted in accordance with the provisions of the Fair Credit Reporting Act5 specifically 15 USC 1681c-2 ( c ). The other addresses included in this data breach are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mutual Management Services LLC
State: GA

Complaint narrative:
A collection was taken out on XXXX for XXXX by Mutual management services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is fraudulent and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: WA

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report. These entries are incorrect and should be investigated and updated in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts DOE XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2000.00} DOE XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$4400.00} DOE XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$6800.00} DOE XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2200.00} DOE XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$5700.00} DOE XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$3200.00} DOE XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1100.00} DOE XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2600.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$5800.00} Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
I am submitting a dispute regarding the following items on my credit report. These items have been identified as inaccurate or incomplete. I respectfully request that these accounts be investigated and corrected as necessary. 


Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/year> Balance : {$2000.00}

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am submitting this complaint because Nordstrom/TD Bank USA is reporting a debt on my credit report that I am disputing and for which I am requesting full validation. I do not recognize this account as accurate, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g to request validation of the debt. I am specifically asking for the Method of Verification ( MOV ), including all supporting documentation, statements, or contracts that the creditor or furnisher relied on to report this debt as accurate.

I have disputed this item previously, but the responses I received were generic and failed to provide the documentation required by law to substantiate the validity of the debt. Under the FDCPA and the Fair Credit Reporting Act ( FCRA ), if a furnisher can not verify a disputed debt within 30 days of receiving notice from a consumer, they are legally required to delete the item from the consumers credit report. Despite my multiple disputes and clear requests for verification, this account remains on my credit report unverified and continues to harm my creditworthiness. 
Reporting unverified debts is a direct violation of federal law, including 15 U.S. Code 1692j, which prevents creditors from misrepresenting or disguising debts to make them appear legitimate, and FCRA Section 623 ( a ), which requires furnishers to report only accurate and verifiable information. The continued presence of this unverified debt is causing financial and emotional harm, including affecting my ability to access credit, increasing costs of borrowing, and creating unnecessary stress over an obligation I do not recognize as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I was recently contacted regarding a debt allegedly owed to SANTANDER XXXX  USA. I do not have sufficient information to confirm that this debt is valid, the exact amount claimed, or that I am legally obligated to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is not the first time this has happened with XXXX  I transferred and sold etherium in my XXXX  account last week and it was fine my funds were available immediately, but this week is a different story, I did the exact transaction and after selling the etherium in my XXXX  account instead of making my money available immediately they out of nowhere put a 5 day hold on my money again!! There's no reason the customer service agents will give me that makes any sense and in fact I've been lied to a few times about why all the sudden this transaction was placed on hold, I was told by one agent at first he said it was placed on a hold for my security and when I questioned him as to what could possibly be unsafe for me to sell my crypto he then changed his answer to " oh I see there's an issue with the XXXX  sale and will be reviewed within 5 days '' but there's not any issue its been confirmed in blockchair for hours and hours. So that was the first 2 lies and then the chat agent without warning or even saying he's transferring me sends me randomly to another chat agent where I have to start over with my issue. So I started over and got another lie from the new chat agent who told me EVERY crypto transaction gets held for review but he was going to expedite my transaction immediately and then next thing I know I'm transferred to a DIFFERENT chat agent again having to explain the situation to someone new that I was thrown to. And finally the lies this agent told me were basically they will hold all crypto sales until 5 days pass and that they do this on EVERY transaction. When I just sold etherium last week that was immediately available after being confirmed on blockchair. I was then very rudely just disconnected from chat by the agent typing this " not to rush you but i haven't received any response for a while im going to disconnect this chat due to inactivity '' and it was only literally 1 minute since I had responded and I even said no I'm here very fast but he disconnected me any way and it closed the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, my Citi AAdvantage Platinum Select card was declined. I logged in to the website and noticed it was likely due to an auto-payment not going through. I immediately made a payment that I believed resolved the issue, and the site then informed me the account was closed. I have been a customer for many years, and I believe this was wrong to close my account without any notice or chance to resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 was the victim of a phone scam where a criminal impersonated a Wells Fargo employee. The caller told me they were from the Wells Fargo XXXX department and claimed there was suspicious activity on my account. They instructed me to provide one-time passcodes that I believed were needed to secure my account. 

The scammer used these codes to access my account and transfer approximately {$6000.00} into XXXX XXXX, where it was quickly removed. 

I filed a fraud claim with Wells Fargo, but they denied it, stating the transactions were authorized. This is incorrect. I did not authorize these transfers for the scammers benefit. This was social engineering and bank impersonation fraud, which should be classified as an unauthorized electronic funds transfer under federal regulations. 

I am requesting that Wells Fargo reinvestigate my claim and refund the unauthorized transfers. I have documentation including call logs, the phone number used by the scammer, and a police report. Wells Fargo is improperly treating a clear impersonation scam as an authorized transaction, and I am seeking CFPB assistance to resolve this.

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