vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I submitted a written structured settlement offer to Exeter Finance on XX/XX/year>, requesting written confirmation of full account closure upon settlement and a repossession hold while the offer was under review. 
I followed up in writing on XX/XX/year>, reiterating my request and noting that my account is under cease-call protection and that all communication must be in writing. 
During a prior phone conversation, an Exeter Finance representative acknowledged that a settlement option had been discussed but advised that written confirmation would be provided in connection with payment processing. 
As of today, Exeter Finance has not provided any written response to my settlement request or follow-up. I am requesting regulatory assistance due to Exeter Finances failure to respond to written communications regarding an active settlement negotiation and the continued risk of repossession while this written request remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Re : Formal Dispute Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to formally dispute inaccurate and/or unverifiable information currently appearing on my XXXX  credit report. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681, 1681i, and 1681c-2 ( FCRA 605B ). As XXXX  is well aware, your company suffered a massive data breach that exposed the personal and financial information of millions of consumers, including myself. As a result of this breach, my identifying information has been compromised and may have been used fraudulently. Any account information resulting from or affected by this exposure is inherently unreliable and must not be reported without strict verification. Disputed Account ( s ) : - Creditor Name : AMSHER COLLECTION SERVICES - Account Number : XXXX - Reason for Dispute : Inaccurate, unverifiable, and potentially the result of compromised personal data stemming from the XXXX  data breach. Under 15 U.S.C. 1681c-2, once a consumer alleges identity theft and requests a block, a consumer reporting agency is required to block the reporting of the disputed information within four ( 4 ) business days of receipt of this notice, unless you can establish that the information was not the result of identity theft. Additionally, under 15 U.S.C. 1681i, XXXX  has a duty to conduct a reasonable reinvestigation and to delete or correct any information that can not be verified as accurate. Please note : - This letter serves as my formal request to block and remove the disputed information from my credit file. - Failure to comply within the statutory timeframe will constitute a willful violation of the FCRA and may subject XXXX  to liability under 15 U.S.C. 1681n and 1681o. - I request written confirmation once the disputed information has been blocked or deleted. This letter is not a refusal to pay, but a request for compliance with federal law. All future communications regarding this matter must be in writing. Thank you for your prompt attention to this serious matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern, This letter is to formally notify XXXX XXXX XXXX that I am exercising my rights under the Fair Debt Collection Practices Act. 

You are hereby instructed to cease and desist all communication with me regarding the alleged account you are reporting. This includes phone calls, emails, mailed correspondence, or communication through any third party. 

You may only contact me in writing to confirm compliance with this request or to notify me of a specific legal action permitted by law. 

Any further unauthorized contact will be documented accordingly. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I am filing this complaint due to Freedom Mortgages failure to properly administer and account for my escrow account and its failure to acknowledge a formal Notice of Error as required under RESPA. 

On XX/XX/XXXX, I submitted a written dispute to Freedom Mortgage identifying material discrepancies in my escrow account that constituted a Notice of Error under 12 CFR 1024.35. As of today, Freedom Mortgage has failed to provide the required written acknowledgment within five business days. 

The escrow discrepancies remain unresolved and unreconciled, including : A reported current escrow balance of {$2700.00} A XXXX mortgage statement showing a tax disbursement of {$3200.00} A separate written communication from Freedom Mortgage stating a XXXX tax disbursement of {$1100.00} Total reported escrow payments of {$6000.00} Freedom Mortgage has not provided a complete escrow transaction history identifying : All taxing authorities paid, Dates and amounts of each escrow disbursement, Or a mathematical reconciliation explaining how the current escrow balance was calculated. 

Despite written requests, Freedom Mortgage has failed to provide a timely acknowledgment or substantive response. This represents an escrow accounting error and a failure to comply with federal mortgage servicing regulations. 

I am requesting that Freedom Mortgage be required to : 1. Provide a complete escrow transaction history ; 2. Identify all tax disbursements by taxing authority, date, and amount ; 3. Correct any errors identified ; 4. Bring the account into compliance with RESPA servicing requirements. 

I am requesting all responses in writing.

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 2026-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: OH

Complaint narrative:
I recently received a delinquent collection account on my XXXX  credit report # XXXX for {$3000.00} from a Credit Management Company also known as XXXX XXXX XXXX XXXX XXXX I have now disputed twice with XXXX, and they have canceled my third dispute, claiming the company is accurate. Without any proof of the original bill or any attempt to contact me, this bootleg company is fraudulent! My credit score has plunged by more than XXXX points! 

I have no knowledge of this account. I have not been contacted about any outstanding bills, and the last past-due medical bills I am aware of were paid in XXXX  for my now-deceased daughter. Everything is paid up for her and me, or insurance has handled it. I have no outstanding medical debt, and Ive never been approached by this mysterious company. Its very upsetting to see debt being imposed on someone who is no longer alive. Please cancel this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and continued reporting of a paid collection/charge-off account currently appearing on my consumer credit report.

Account Name : NAVY FCU Account Number : XXXX XXXX XXXX XXXX XXXX  Status Reported : Paid Collection / Charge-Off This account was paid and resolved, yet it continues to be reported in a manner that is inaccurate, misleading, and harmful, in violation of the Fair Credit Reporting Act ( FCRA ). 

Legal Basis for Dispute Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain and report information with maximum possible accuracy. Reporting a paid collection without proper context or continued derogatory status misrepresents the current standing of the account.

Additionally, under 15 U.S.C. 1681c ( a ) and 1681s-2 ( a ), information that is incomplete, misleading, or no longer reflective of a consumers creditworthiness must not be reported.

If the furnisher can not fully verify the accuracy, completeness, and legal compliance of this account including proper payment status, dates, and authority to report then under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the account must be deleted immediately.

Demand for Action I am requesting that you : 1. Conduct a full reinvestigation of this account 2. Verify the account with the original creditor, including documentation 3. Delete this account immediately if it can not be verified as fully accurate and compliant with FCRA requirements Please note that verification does not mean automated confirmation. It requires documented proof that the account is being reported correctly and lawfully.

If this account is not removed, please provide me with : The method of verification used The name, address, and contact information of the furnisher Copies of any documentation used to verify the account Failure to comply with the FCRA may expose your organization to liability under 15 U.S.C. 1681n and 1681o.

I expect your written response within the 30-day period required by law. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/year> XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
A transaction was processed through PayPal using my credit card as the funding source. The merchant withdrew funds without proper authorization and later acted in bad faith.

When I contacted the merchant, they mocked me during the support chat and explicitly stated that they would only issue a partial refund, not a full refund, and told me to do something if you can. This response was unprofessional and confirms the merchants refusal to resolve the issue fairly.

I filed a dispute with my credit card issuer and provided supporting evidence, including chat transcripts and proof of the merchants refusal to issue a full refund. Despite this, my dispute was denied without a fair or thorough investigation, and I was not provided with a clear explanation of the evidence reviewed or the reasoning behind the denial.

I believe the credit card company failed to properly investigate this dispute and did not adequately consider evidence of unauthorized and unfair merchant behavior. I am requesting a formal review of my case, a written explanation of the denial, and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Re : Identity TheftRelated Dispute Due to XXXX Data Breach To Whom It May Concern, I am writing to formally dispute inaccurate and potentially fraudulent information appearing on my Transunion credit report as a direct result of the Transunion data breach, which exposed my sensitive personal information, including my Social Security number, date of birth, and drivers license number.

As a California resident, I am invoking my rights under the California Identity Theft Resolution Act ( California Civil Code 1798.92 et seq. ), which requires businesses to provide reasonable assistance to victims of identity theft and to promptly resolve issues arising from the misuse of personal information obtained through a data breach. This Act obligates XXXX  to take immediate and effective steps to prevent further harm and to correct inaccurate information resulting from identity theft.

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), XXXX  is required to ensure maximum possible accuracy of the information reported and to promptly investigate and delete information that is inaccurate, unverifiable, or the result of identity theft. 

The accounts and/or information I am disputing include, but are not limited to : - Creditor Name : KIKOFF LENDING , LLC - Account Number : XXXX  - Reason for Dispute : Account INACCURATE Because my personal data was compromised due to XXXX  failure to safeguard consumer information, I dispute the accuracy and legitimacy of any such accounts. I request that Transunion : 1. Immediately investigate these disputed items 2. Delete any information that can not be verified as accurate and legitimately mine 3. Block the reporting of identity theftrelated information from my credit file 4. Provide written confirmation of the actions taken Please note that failure to comply with these obligations may constitute violations of both California law and the Fair Credit Reporting Act. I expect written confirmation of the results of your investigation within the time frame required by law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I had previously filed a complaint and PayPal released my money from a hold around XX/XX/year> after my complaint. Last week they placed another reserve on my account and I have no chargebacks, No issues with any transactions in my entire time with PayPal. Not a one that would cause a negative mark. They seem to be able to arbitrarily just hold someones money for 90 days which is just insanity. To hold someones money for 90 days, really. This should be against the law. Anyway. They have the 3 rd reserve on my account in the last 60 days ( they removed the other 2 ). And again nothing has ever happened negative involving my account. Please know this is shady business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: AL

Complaint narrative:
b'Dear Consumer Financial Protection Bureau, CFPB:\n\nThe following answers each questionnaire referencing each Valid Dispute Claim.  Please be aware: some merchants cooperative and others uncooperative. Each merchant repaid amounts, in-store, with different form of payment, and no products nor services received at time of repayment.  PLEASE REFUND $10,000 DEPOSIT(S) BECAUSE EXPERENCING ECONOMIC HARDSHIP.  IN ADDITION CARD #2 HAS A CREDIT BALNCE OF XXXX  WHICH REQUIRES REFUNDING ALSO.  I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL.  REPAYMENTS TO:\n\n(1.) XXXX XXXX XXXX XXXX ALAMABA XXXX XXXX XXXX XXXX GEORGIA, XXXX XXXX XXXX GEORGIA, XXXX XXXX XXXX GEORGIA, XXXX XXXX XXXX XXXX GEORGIA, XXXX XXXX XXXX XXXX XXXX MD\nEMAIL: XXXXPHONE: XXXXCARD #1: XXXX XXXX XXXX XXXX XXXX, CLOSED BY FALSE SECURITY ON DECEMBER XXXX XXXXCARD #2: XXXX XXXX XXXX XXXX XXXX, CLOSED BY FALSE SECURITY ON DECEMBER 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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Nature of the Dispute The account listed as XXXX XXXX XXXX, Account No. XXXX, has been changed from an INDIVIDUAL account to a JOINT account without my authorization, knowledge, or consent. This reporting is factually incorrect and materially misleading. 

I have never applied for, agreed to, or executed any contract converting this account into a joint obligation, nor have I authorized XXXX XXXX XXXX to report it as such. 

Violations of Federal Law The continued reporting of this inaccurate account classification violates the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibition against furnishing information known or reasonably believed to be inaccurate.

15 U.S.C. 1681s-2 ( b ) Requirement that furnishers investigate disputes and provide verifiable evidence.

Demand for Documentary Proof You may not lawfully change or report an account type from individual to joint without competent, verifiable documentation. Accordingly, I demand that you provide : A signed application or contract showing my consent to a joint account Documentation bearing my wet ( ink ) signature The date the alleged joint obligation was created The identity of the alleged joint account holder Automated responses, electronic confirmations, internal notes, or database verifications do not satisfy the FCRAs verification requirements. 

Required Action If you are unable to produce the above documentation, you are required by law to : 1. Delete or immediately correct the inaccurate account type ; and 2. Provide me with written confirmation of the correction or deletion. 

Please complete your reinvestigation within the statutory timeframe set forth in 15 U.S.C. 1681i. Failure to comply will result in escalation, including complaints to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursuit of all civil remedies available under 15 U.S.C. 1681n and 1681o.

This correspondence is sent without prejudice and without waiver of any rights or remedies, all of which are expressly reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Product : Credit card Company : Robinhood Markets , Inc. / Robinhood Credit Issue Type : Credit reporting, account access, account closure, rewards Complaint Narrative : I am filing this complaint regarding Robinhoods improper handling, restriction, and eventual cancellation of my Robinhood Gold Card and related account access, which resulted in credit reporting harm and financial loss without any resolution. 
I was approved for the Robinhood Gold Card and began using it. Shortly thereafter, Robinhood restricted my access due to an internal system issue that linked my profile to another brokerage account that had been placed into closure status and could not be reopened. Despite following all instructions provided by Robinhood support, I was repeatedly told to either open a new account ( which Robinhood later refused to complete ) or to use the closed account, creating a permanent internal deadlock entirely outside of my control.

Robinhood ultimately cancelled my accounts without resolving the underlying system failure, without restoring access, and without correcting the resulting harm. 
As a direct result of Robinhoods actions and internal failures : I was unable to access or properly manage my Gold Card I incurred negative credit reporting impacts for an account I could not access or resolve A hard credit inquiry was placed on my credit report for a credit product that Robinhood rendered unusable and later cancelled without resolution I lost advertised rewards/cash-back after spending money specifically to earn them I spent over a month attempting to resolve this through customer support with no corrective action Robinhood collected my personal and financial information, approved me for credit, reported to credit bureaus, and then cancelled the account without providing the contracted services or a meaningful path to resolution. I believe the continued credit reporting and hard inquiry under these circumstances is inaccurate and unfair.

I am requesting that Robinhood : 1. Remove or correct all negative credit reporting related to this matter 2. Remove the hard credit inquiry associated with the Robinhood Gold Card approval 3. Restore or reimburse all lost rewards 4. Provide written confirmation that no further credit reporting will occur related to these cancelled accounts I am requesting CFPB assistance because Robinhood cancelled my accounts without resolving the issue, and standard support channels failed to provide any remediation despite documented credit and financial harm. 
Desired Resolution : Removal of negative credit reporting and hard inquiry, reimbursement of lost rewards, and written confirmation that the matter is closed with no further credit impact.

Company response to consumer: Closed with explanation