vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
XXXX is reporting an account that is inaccurate, unverified, and not mine. I previously requested full validation of this alleged debt, and they failed to provide the required documentation. I also contacted the alleged original creditor, who could not confirm that this account belongs to me. Despite the lack of verification, XXXX continues to furnish this information to the credit bureaus, damaging my creditworthiness and reputation. By reporting unverified, inaccurate information and harming my reputation, XXXX has engaged in abusive conduct. 15 U.S.C. 1692d. XXXX is reporting this account in a manner that creates the false belief that I am involved in or acknowledge this debt, which I do not. This constitutes the use of deceptive forms. 15 U.S.C. 1692j. This collection agency is known for their illegal and unprofessional practices. This company is known for their tribal lending practices and are not credible therefore their claim of this unverified debt is null and void. I am entitled to damages due to the harm caused by their continued reporting and failure to comply with federal law under section 15 U.S.C. 1692k. XXXX has failed to validate the debt, can not prove ownership, and is reporting false information in violation of federal consumer protection laws. I am requesting CFPB assistance to resolve these violations and ensure permanent deletion of this account. Remove/delete this account from all credit bureaus immediately. XXXX Cease all reporting and all communication regarding this alleged debt. Provide written confirmation of removal and compliance.

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 2025-11-16 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: NCB Management Services Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding an unverified collection account being reported by NCB Management ( Account # XXXX ) on my credit report. 

NCB Management has engaged in abusive and deceptive conduct by reporting unverified and inaccurate information, harming my reputation. This conduct constitutes harassment under 15 U.S.C. 1692d. Additionally, the reporting of this account creates the false impression that I acknowledge or am responsible for this debt, which I do not, and constitutes the use of deceptive forms under 15 U.S.C. 1692j. 

This collection agency has also been involved in prior data breach litigation, which raises concerns about the security and accuracy of the personal and account information they are reporting. 

Furthermore, the original creditor, XXXX XXXX, was required to provide restitution and waive certain loans in XXXX  due to consumer protection violations. My loan was waived, and therefore there is no debt owed to XXXX XXXX or any collector claiming to hold this account. 

NCB Management has failed to validate this debt, can not prove ownership, and is reporting false information in violation of federal consumer protection laws. Under 15 U.S.C. 1692k, I am entitled to damages for the harm caused by these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act, under 15 USC 1681 Section 602, mandates that consumer reporting agencies and information furnishers must carry out their significant duties with equity, neutrality, and full regard for consumer privacy. As a consumer, I am entitled to ensure that my personal information remains confidential, a right further supported by 15 USC 6801, which obligates financial institutions including Santander Bank, as the furnisher of this information to maintain, honor, and protect the confidentiality of their customers personal data. 

Under 15 USC1681 Section 604 ( a ) ( 2 ), consumer reporting agencies such as XXXX  may only release consumer reports with the express written authorization of the consumer. I have not granted such authorization. Any form of consent previously given to XXXX  or Santander Bank, whether expressed or implied, is hereby withdrawn. 

Furthermore, under 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from sharing private consumer information with third parties without notifying the consumer of their right to prevent such disclosure. I was never informed of this right regarding the reporting of my Santander account. 

The account furnished by Santander Bank, contains derogatory payment history, including XXXX and XXXX late payments reported for XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. These items have been furnished and shared without proper consumer authorization, and their repeated appearance raises concerns under 15 USC 1681e, which requires reasonable procedures to ensure maximum possible accuracy, as well as 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishers from providing information they know or reasonably should know is inaccurate. 

Additionally, 15 USC1681c ( a ) ( 5 ) prohibits the reporting of outdated negative information older than XXXX years unless expressly permitted by law. The negative reporting furnished by Santander Bank is being shared without proper authorization and without adherence to required procedural safeguards. 

As provided under 12 CFR 1016.7, consumers hold a perpetual right to opt out of the disclosure of their nonpublic personal information. I am now exercising that right with respect to Santander Bank, and TransUnion. Therefore, I formally revoke any implied, verbal, or written authorization to report, share, or furnish any of my personal or financial information. 

Given the violations and statutory protections outlined above, I request an immediate reinvestigation and removal of the Santander Bank account information, as its reporting is non-compliant with federal law, was disclosed without proper consumer authorization, and contains inaccuracies and procedural deficiencies. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because Equifax is reporting XXXX ( XXXX ) inaccurate and unverified accounts under the namXXXX XXXX XXXX XXXX XXXX XXXX on my credit report. These accounts do not list an original creditor, do not contain any open date, and Equifax has failed to provide verification as required under the Fair Credit Reporting Act ( FCRA ). 

The accounts are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$210.00} These XXXX accounts are only reporting on Equifax. Both Experian and TransUnion have already deleted these accounts due to inability to verify them. 

I have never received any notice, validation, or supporting documentation from Equifax or the XXXX XXXX XXXX XXXX confirming that these debts belong to me. The accounts also do not include an open date, which raises the possibility that they are time-barred and should not be reported at all. 

I have attached the debt verification letter I sent to the XXXX XXXX XXXX XXXX in which I formally requested verification and documentation. Until valid proof is provided, Equifax is required under FCRA 602 ( A ), 604, 607 ( B ), and 611 to remove information that is inaccurate, unverifiable, or incomplete. 

I am requesting that the CFPB require Equifax to delete these XXXX unverified Treasury accounts immediately, just as Experian and TransUnion have already done. 

Equifax has had sufficient time to verify this information and has failed to do so. These accounts are damaging my credit profile and are being reported without proper documentation, in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: WA

Complaint narrative:
To : Consumer Financial Protection BureauDear CFPB Representative, Regarding- Case ID : XXXX I am submitting a complaint against PayPal due to an unresolved dispute that was improperly closed by the company because of a technical issue. On XX/XX/XXXX, I attempted to have my open claim decided in my favor because the seller failed to respond within the required timeframe. This claim involves losing approximately {$400.00} for items that were never received. 

To reach customer support, PayPal requires submitting questions through their AI system. When I submitted my request, the app froze with a white screen, forcing me to close it. About two minutes later, I received an email from PayPal stating that I had closed the claim, which is completely false. There was no reason for me to close the claim on the very day it was meant to be resolved in my favor. 

I immediately contacted PayPal and spent nearly XXXX hours trying to explain the situation and request that my claim be reopened. Despite clear evidence of a technical malfunction, PayPal refused to reopen the claim or assume responsibility, stating they could not help.

This is deeply unfair and causes significant financial harm. Losing approximately {$400.00} due to a system glitch, combined with PayPals refusal to correct the error, is unacceptable. I request that PayPal be compelled to follow its own Buyer Protection Program policies for items not received, protect my rights as a consumer, and do the right thing by reopening and properly resolving my claim based on the original evidence and timeline. 

Thank you for your consideration and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Withdrawal Huntington National Bank {$10.00} XXXX XXXXWithdrawal Huntington National Bank {$14.00} XXXX XXXXAdd money XXXX XXXX XXXX  + {$21.00} XXXX XXXXWithdrawal Huntington National Bank XX/XX/year> {$5.00} they all wasn't even in my city or state

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am unaware of this debt, I did not have the opportunity to dispute this debt, I havent received proper notification, if in-fact that you believe i received proper notification please provide the certified mail with a receipt with my signature on it stating that I received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/2025, Newrez LLC, dba Shellpoint mortgage increased our mortgage payment from {$1300.00} to {$1500.00} for unclear reasons. This a fixed rate loan and therefore nothing has changed with the interest or any other term of the loan itself. They claim that the escrow estimate for next year has changed but his is based on erroneous information they falsely generated last year. Our taxes and insurance have been almost the same over many years with minimal increases. The numbers are very straight forward and readily available in their own website. Our insurance is {$490.00} this year and our taxes consist of 2 payments of {$1500.00} for a total of {$3100.00}. So, the total with the insurance will be {$3600.00} a year. If you divide this by 12 months, our escrow payment should be {$300.00} per month. Yet they are estimating and requiring an escrow payment of {$560.00} as of XX/XX/2025. This will translate to a yearly escrow payment of {$6800.00}, nearly double what is required to pay the insurance and taxes stated above. The error arises from last year where there were some wrong entries and back and forth erroneous additions an deductions made by the mortgage company which they refuse to correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am currently reviewing my Experian credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am trying to get a debt collection against me dismissed for a credit card I did not open. My personal information has been used to start many fraudulent credit cards since my personal information was leaked over a decade ago. I usually have a credit lock preventing most attempts, however I was unaware of this until a few months ago as it did not appear on my credit report. The account they showed me uses my name with an address I have never been associated with in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: AZ

Complaint narrative:
There is a medical-related collection being reported on my credit file by XXXX XXXX XXXX ( Acct # XXXX XXXX XXXX XXXX XXXX ) that is not legally permitted to appear on my consumer credit report. This account originates from a XXXX XXXX medical claim. Under the updated federal guidelines issued by the CFPB, Department of Health and Human Services, and U.S. Treasury, medical debtswhether paid, unpaid, or in collectionsare no longer allowed to be included on personal credit reports for any credit scoring or reporting purpose. * * Despite this federal guidance, the credit bureau continues to report this medical collection. No valid documentation has been provided showing that this item is legally eligible for reporting. This is a medical/insurance claim and should not be furnished to consumer reporting agencies at all. 

When I disputed this directly with the bureau, they did not provide any true verification or supporting documents. They relied on automated e-OSCAR code responses instead of conducting a real investigation as required under FCRA 602 ( A ), 607 ( b ), 611 ( a ), and 623. No original records, billing documents, or proof of responsibility were produced.

Because medical collections are now barred from consumer credit files and because no lawful verification has been provided, this account is being reported inaccurately and unlawfully.

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 2025-11-16 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: Kikoff Inc.
State: VA

Complaint narrative:
I disputed the KIKOFF charge-off with XXXX  and requested full verification of the account, but XXXX  did not provide any of the documentation required under FCRA 611 ( a ). For a charge-off to be verified, XXXX  must obtain the original credit agreement, full account and payment history, the date of first delinquency, the charge-off details, a complete balance breakdown, proof that the furnisher owns the debt or is authorized to report it, and XXXX XXXX data showing accuracy and consistency. XXXX  provided none of this. Instead, they simply marked the account as verified without supplying ANY supporting documentation, even though this bureau has a long history of lawsuits, consent orders, and federal investigations for improper verifications, inaccurate reporting, and failing to conduct real investigations. This makes the KIKOFF reporting a factual dispute because XXXX  did not show how they verified anything and did not provide the legally required method of verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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:
account number XXXX. Was included in XXXX  XXXX XXXX.. Status Should say Discharge Need to be Deleted because it was Sold..

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 2025-11-16 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: FL

Complaint narrative:
I discovered that multiple accounts were opened in my name without my authorization or knowledge. I did not apply for or consent to credit with XXXX XXXX XXXXXXXX XXXX XXXX or XXXX. These accounts were created through identity theft, and I have filed an FTC identity theft report and police report. I am requesting that all fraudulent accounts be blocked and deleted from my credit file.

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 2025-11-16 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: PA

Complaint narrative:
In reference to previously filed complaints noted below XXXX XXXX XXXX XXXX The complaints were closed because an account number was requested. There is no account number available for inaccurate personal information being reported. It's personal information. My name, my addresses, and phone numbers. For a refresher and new attention to this matter I'll attach below the initial complaint. Your new detailed attention to this matter is greatly appreciated. 

I called Equifax and spoke to XXXX separate representatives, the last one being " XXXX '' whose ID number is XXXX. I'd previously called Transunion and Experian after being notified of incorrect information. Currently Transunion and Experian reflect the information # # # reporting inaccurate information. This information has already been verified, not just through transunion and experian while having # mi, but I've also been verified to have corrected this, please assist with this matter.. View full complaint

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED SEVERAL INQUIRIES ON MY CREDIT REPORTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Issue : Capital One approved a WORKOUT financial hardship program that includes lower monthly payments, lower interest rate, and a payment plan on one account but refuses to apply the same review to my other account, despite identical financial hardship and documented requests. Supervisors refused escalation. 

Details : I have two Capital One credit card accounts. Due to a major income reduction from approximately {$87000.00} annually to approx. under {$30000.00} annual gross income ( just started in XX/XX/XXXX, so I have not made the full year yet ), I requested a hardship review for both accounts. 

During a live chat on XX/XX/XXXX, Capital One approved a reduced-interest hardship program on one credit card account ( XXXX ) after reviewing my documented hardship. During the same chat, I requested a full hardship review for my second Capital One account ( XXXX ). The representative confirmed that both accounts would have notes describing the conversation and instructed me to call a supervisor because chat could not escalate the review. 

I called the number provided ( XXXX ) the following day. The representative confirmed they were a supervisor but refused to escalate the hardship review for the second account. I repeated all required information, including my income drop, the approval on the first account, and the documented requests made in chat. The supervisor stated that the system was not offering options, and refused to transfer me to anyone with additional authority. I also requested another supervisor, which was refused. I was told my only option was to physically mail a letter to a XXXX XXXX XXXX XXXX XXXX XXXX, UT. 

This appears to be inconsistent hardship treatment and may violate CFPB expectations regarding fair treatment of financially distressed consumers under UDAAP guidance. Capital One approved one account for hardship assistance, acknowledges my hardship in account notes, but refuses to evaluate the second account consistently. The refusal to escalate internally also forces unnecessary delays and hardship.

Company response to consumer: Closed with explanation