vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I am submitting this complaint regarding violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by credit reporting agencies and data furnishers.

I submitted written disputes regarding multiple accounts that are inaccurately, misleadingly, or improperly reported as charged off, written off, or derogatory. These disputes were properly sent and received. Despite this, the credit reporting agencies either verified the information without providing proof of a reasonable investigation or failed to delete unverifiable information.

Under FCRA 611, consumer reporting agencies are required to conduct a reasonable reinvestigation. Under FCRA 623, furnishers are required to report information accurately and to correct or delete information that can not be verified. 

A charge-off or write-off is an internal accounting action and does not constitute proof of accuracy, completeness, or legal authority to report. Automated or superficial verification does not satisfy the requirements of the FCRA.

The continued reporting of these accounts is causing ongoing financial harm.

I am requesting that the CFPB require the credit reporting agencies and furnishers to : 1. Disclose the method of verification used 2. Produce documentary proof supporting the reporting 3. Delete any account that can not be fully verified as accurate, complete, and legally reportable

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 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
At purchase, I paid a {$10000.00} down payment toward the vehicle. That payment was not properly applied to reduce the principal balance. Instead, the contract reflects an inflated cash price that exceeds the vehicles XXXX XXXX, resulting in interest being charged on funds I already paid. 
In addition, the transaction included a claimed {$2000.00} rebate that did not reduce the vehicle price and instead appears to have been used to inflate the amount financed. Factory-installed equipment and delivery charges already included on the XXXX label were effectively reused to justify a higher cash price. 
I requested a written reconciliation explaining how the cash price was calculated, how the down payment was applied, and how the amount financed was derived. Neither the dealer nor the assignee creditor provided a line-by-line accounting or reconciliation. The account continues to be enforced with an incorrect principal balance and finance charge.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is my third CFPB complaint regarding XXXX  ( PayPal ) and the mishandling of my Purchase Protection disputes and provisional credits.

Background : I sent three payments from my XXXX  balance between XXXX XXXX XXXX for {$1000.00}, {$1000.00}, and {$860.00}. 
On XX/XX/year>, I opened XXXX  Purchase Protection cases for these payments as Item Not Received. 
On XX/XX/year>, XXXX  issued provisional credits totaling {$2900.00} ( including a provisional credit of {$1000.00} for one of the disputed payments ). 
XXXX  later closed the claims ( around XXXX XXXX XXXX, 2025 ) and I appealed ; Venmo later accepted the claims between XXXX XXXX XXXX 

Key problem : In PayPalXXXX written response dated XX/XX/year> ( CFPB Complaint No. XXXX ), PayPal stated they confirmed that XXXX  did not recover the provisional credits and that the funds were used for other XXXX  purchases. 

That statement is contradicted by XXXX own official XXXX account statements. Specifically, the {$1000.00} provisional credit issued on XX/XX/year> was later recovered by XXXX  in partial debits when funds became available in my account. The recovery was done in multiple transactions rather than one lump sum. 

Per my XXXX  XXXX statements, the relevant transactions are : XX/XX/year> Dispute Temporary Credit + {$1000.00} XX/XX/year> Dispute Debit - {$47.00} XX/XX/year> XXXX  account repayment - {$480.00} XX/XX/year> XXXX  account repayment - {$510.00} These debits total exactly {$1000.00}, which confirms XXXX  did recover the provisional credit from my account ( in parts ). This directly conflicts with PayPals written statement to the CFPB that XXXX  did not recover the provisional credits and that the funds were simply used for purchases. 

I am filing this new complaint because ( XXXX ) XXXX/PayPal has provided inconsistent and inaccurate written explanations, and ( 2 ) the company has not provided a proper reconciliation/ledger showing how these recovered funds were handled and why they were withdrawn after being issued as provisional credit. 

Attachments included : XXXX ( shows the + {$1000.00} provisional credit ) XXXX ( shows the partial debits totaling- {$1000.00} ) PayPals XX/XX/year> response letter to CFPB stating Venmo did not recover the credits

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
Aidvantage student loan servicer never sent me a written bill or delinquency notice before they tanked my XXXX XXXX. I have asked them to provide me proof of such notices, but they cant because it never happened. The negative credit reporting is illegal and should be reversed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/year>, I called MOHELA, on or around, XXXXXXXX XXXX ( PST ). MOHELAs IVR indicated their hold time is one hour. This is not a one-time isolated event. This is a pattern and practice. Sometimes their hold times are over 3 hours. I have the phone calls recorded as evidence. MOHELA has excessive hold times ; this is inappropriate. In addition, MOHELA is the only federal loan servicer with an XXXX  rating with XXXX. Moreover, Ive called other federal loan servicers and they have short hold times. Please rectify your long hold times. 

Furthermore, I submitted my XXXX  application on XX/XX/year>, and have not heard from MOHELA. Please put my XXXX consolidation loan into the XXXX repayment plan forthwith.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported fraudulent activity to Bank of America and they responded by opening a case. The fraudulent activity was denied despite the fact that it occurred in XXXX XXXX and I live in XXXX XXXX. 
I didn't take any trips to XXXX XXXX I didn't travel to XXXX XXXX and I don't do business in XXXX XXXX 
This is the first issue. 

The second issue : I called Bank of America regarding another unrecognized charge on my ATM card. 

I spoke with an operator named XXXX XXXX id : XXXX Besides being extremely unprofessional and rude, my ATM card was vindictively closed without my permission by the same employee. 

XXXX XXXX did not read any disclosures to me, neither did I agree to having my card closed. 

This has caused Great mental distress in that she has closed the card without my permission. 
My business depended on that card and the various services that the card was assigned to. 

Her supervisors would not help me reopen the card at my request. They either could not or refused to open it. 

Her supervisors would not disclose any phone numbers to anyone in charge of their office. Or disclose any numbers to decision makers about my card or about my previous cases which did not require closing my card. 

They left me without recourse in any ability to open the card. 

I am now left without any access to my money for at least 7 days They've also left me without a clear understanding if there is fraud or identity theft concerning my accounts I'm making this complaint because I want XXXX XXXX removed from her position at Bank of America. 

I also intend to sue Bank of America for 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
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Hello to make it simple I have applied for a platinum card with American Express.. 
I never activated the card ... bcz i wasn't interested in the Card.

American express is chasing to pay the membeship fee... 
I am not obligated to pay a membership fee for a card that I am not interested in having... 
I never called to activate the card... the are sying applying to the card is enough for them to ask for the membership fee...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am filing this complaint regarding an Affirm account that was paid in full and closed, yet continues to be reported as a collection on my consumer credit report despite having no outstanding balance. 

The account reflects a XXXX or non-numeric balance and no remaining financial obligation. However, the furnisher and credit reporting agency continue to report the account under a collection status, which is materially misleading. 

I previously disputed this account and requested verification. Despite the account being paid and closed, the collection designation remains, inaccurately suggesting delinquency where none exists. 

Reporting a paid and closed account with no balance as a collection fails to meet the Fair Credit Reporting Act requirement of maximum possible accuracy and misrepresents my credit history. 

This complaint is submitted to require the furnisher and credit reporting agency to formally certify compliance with federal consumer protection law under CFPB supervision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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:
I submitted a written dispute to XXXX XXXX regarding the accuracy of information being reported on my credit file. 

On XX/XX/year>, XXXX XXXX responded stating they could not proceed with my dispute because the return address on my correspondence did not match the address in their records. They requested additional information to verify my identity and address. 

I timely provided written identity and address verification, including documentation confirming my current address and clarifying my prior address on file, in order to allow XXXX XXXX to proceed with its investigation. 

Despite my compliance, XXXX XXXX has delayed responding and/or continued reporting the account without providing written results of a reasonable investigation or documentation supporting the accuracy of the information being reported. 

I am concerned that XXXX XXXX has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) after I satisfied their verification request.

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 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
An account reported by AAFES is currently showing as in collection on my credit report. The account has previously been reported as charged off and/or written off. 

I have not received documentation confirming whether the debt was canceled, discharged, transferred, or remains legally enforceable. I also have not received an IRS Form XXXX for this account, despite the charged-off/write-off status. 

I have not been provided the date of any cancellation, proof of ownership or assignment to a collection agency, or documentation supporting the continued reporting of this account as a delinquent collection. 

Because the creditor has not verified the current legal status of the debt or demonstrated compliance with IRS and Fair Credit Reporting Act requirements, the account status being reported may be inaccurate or misleading.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
FNBO refunded Case # XXXX for a total of {$1800.00} after learning it was processed through XXXXXXXX XXXX guest checkout ( without using my XXXX account ). Thank you so much. However, all XXXX charges under XXXX # XXXX were denied as of XX/XX/year>, per a phone conversation with the fraud investigation team. It was noted that I did not report the card as " Stolen or Lost '' at the time the transactions were made. My claim was that I did not know there was a notification feature and could not get any signs of these transactions until I received the monthly statement on XX/XX/XXXX, and reported that I have my card here. Still, someone used my card information and used it in XXXX. At that time, customer service advised me not to discard my card and said they would send a new one. So, I received a new card. I could not report my card was " Stolen or Lost '' in that case. I used my card on the same day as the fraudulent transaction in XXXX on XX/XX/year>, at XXXX XXXX XXXXXXXX XXXX XXXX I was not in XXXX. Most likely, these charges were for XXXX XXXX  and delivery to somewhere in XXXX. 
I am not sure why FNBO states there was no error, as I did not report the card as " Stolen or Lost '' in this situation. I reported within 60 days and provided a full explanation. I have spoken with your claims department more than 3 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I paid my credit card account off on XX/XX/year>. The account bill was due on an XXXX a late fee was added. XXXX plus a XXXX charge and a XXXX charge. They're saying that the can only offer a 1 time courtesy clause that was used in XXXX for a similar situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank
State: GA

Complaint narrative:
My consumer credit reports unique list of adverse items that I want removed from the FICO reports. I recently learned that my personal information was used to open the following accounts. I did not open these accounts, nor did I authorize them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I attended XXXX XXXX basic training from XX/XX/XXXX through XX/XX/year>. During this period of XXXX XXXX service, Capital One closed my credit card accounts in XXXX without providing any notification, citing unusual customer activity. Payments were received through XX/XX/year>, yet the accounts were sent to collections in under 30 days after only XXXX missed payments, XXXX in XXXX and XXXX in XXXX. Prior to this, I had been a customer for over XXXX years with no history of late payments. Capital One made no attempt to contact me to resolve the matter. Despite my efforts to address this amicably, including waiting for an investigation outcome and making payments, Capital One has refused to reinstate the accounts, remove late fees, or correct negative credit reporting, while continuing to charge interest rates between 28 % and 31 % and attempting to collect nearly double the original balances. The combined balances were approximately {$600.00} across XXXX cards and have now increased to nearly {$1100.00}. Capital One has no apparent safeguards or accommodations for service members entering basic training, which prevented me from addressing the issue in advance. As a result, my credit was severely damaged, dropping from approximately XXXX to the low XXXX, without being given a fair opportunity to prevent this outcome. This treatment reflects a failure to reasonably support XXXX XXXX service members and creates an unjust and avoidable hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH Mortgage has refused to accept valid flood insurance documentation provided directly by my insurance carrier, incorrectly asserting that the XXXX must pay for the policy. This refusal is incorrect and inconsistent with standard Walls-In flood insurance requirements. 

Despite clear proof of coverage, PHH has continued to make improper escrow disbursements for duplicate flood insurance. My insurance carrier has also attempted to resolve this directly with PHH, but PHH refused to accept the policy. 

I have experienced ongoing escrow and insurance-related servicing issues since PHH acquired my loan. This most recent issue has been occurring since approximately XXXX and has resulted in repeated, improper escrow charges. PHH has made it extremely difficult to reach a knowledgeable representative to correct this error. 

I am requesting that PHH immediately recognize my valid flood insurance policy, cease improper escrow disbursements, correct my escrow account, and refund any amounts paid in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: NY

Complaint narrative:
I am unable to access my XXXX  account due to loss of the phone number and devices originally used to create the account. I no longer have access to that phone number, and I no longer possess any of the original devices associated with the account. 

I have made multiple attempts through XXXX standard customer support channels to regain access, but I am repeatedly blocked because XXXX  requires verification through the original phone number or device only. I have not been offered a reasonable alternative verification process, despite being able to verify my identity through other secure means ( legal name, email history, and government ID ). 

As a result, I am effectively locked out of my own account with no clear or reasonable path to resolution. This has caused ongoing financial and administrative hardship and presents a risk of unresolved account activity. 

I am not requesting that security standards be bypassed. I am requesting a manual review and identity-based verification so that this account can Be securely restored to me XXXX refusal to provide an alternative verification method when legacy credentials are no longer accessible has left me without a fair resolution option. 



Desired Resolution Manual account review by a senior or XXXX support XXXX Identity-based verification using reasonable alternative methods Secure restoration Written confirmation of the final resolution Additional Notes I am prepared to provide any documentation required to verify my identity and account ownership. I am seeking a fair, secure, and timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint against Credence Resource Management ( CREDENCE RM ) for reporting an unverified, unvalidated collection account on my credit report without complying with federal law. 
Credence RM placed this collection on my credit report without ever providing the legally required written notice, validation, or proof that this alleged debt is accurate, owed, or legally collectible. 
I did not receive : An initial written notice within 5 days of first contact A 30-day notice of my right to dispute Any itemization of the alleged balance Any proof that Credence RM owns or has authority to collect this debt Despite this, Credence RM is furnishing this account to the credit bureaus as a valid collection. 

I disputed this account and requested validation. Credence RM failed to provide any of the documentation required by law, including : Original signed contract or application Full itemized account history Proof of assignment or chain of title Proof the balance is accurate Proof they have legal authority to collect An internal screenshot, balance statement, or generic response does not constitute validation. Credence RM knows this. 
Because Credence RM failed to validate, they are legally prohibited from continuing collection activity or credit reporting. 

Credence RM is violating multiple federal laws, including : FDCPA 1692g ( a ) Failure to provide required written notice FDCPA 1692g ( b ) Continuing collection activity without validation FDCPA 1692e False and misleading representation of a debt FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate or unverifiable FCRA 623 ( b ) Failure to conduct a reasonable investigation FCRA 607 ( b ) Failure to maintain maximum possible accuracy Metro 2 Guidelines Reporting a collection without certified accuracy or documentation Reporting a debt that can not be validated is inherently inaccurate.

Company response to consumer: Closed with non-monetary relief