vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 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 filing this complaint regarding inaccurate and unverified information being reported on my Experian credit report. I have reviewed my report carefully and identified several charged-off accounts that are either inaccurately reported, inconsistently documented, or have not been properly verified as required under the Fair Credit Reporting Act ( FCRA ). 

Despite my efforts to dispute these items, Experian continues to report them without providing proper validation or evidence that the information is complete, accurate, and legally reportable. Some of these accounts reflect questionable balances, lack clear documentation of charge-off status, or fail to show how the amounts were calculated. Others appear to be obsolete, duplicated, or reported without proof of my legal obligation to pay. 

The accounts in question on my Experian report include : XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$310.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$250.00} XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$2100.00} XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance {$680.00} XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$1900.00} Under the FCRA, Experian is required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation when disputes are submitted. Since these requirements have not been met, I am requesting that Experian either provide proper verification for each account or remove the inaccurate information 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 explanation
Consumer complaint received 2026-01-19 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank denied my fraud claim for a PayPal Credit account, asserting that I authorized, participated in, or benefited from the disputed transactions. This conclusion is incorrect. 

I previously submitted a CFPB complaint regarding this PayPal Credit fraud issue ( Complaint ID : XXXX ) on or about XX/XX/XXXX. In response, Synchrony Bank denied my fraud claim without providing any evidence of authorization. 

Following that response, I contacted Synchrony directly and specifically requested the evidence relied upon to conclude that I authorized or benefited from the transactions. Synchrony subsequently sent billing statements. Billing statements do not constitute evidence of authorization, consent, identity, or benefit. 

This complaint is submitted as a continuation and escalation of the unresolved issue, as Synchrony has still failed to provide any actual evidence tying the disputed transactions to me. 

I have never used PayPal Credit for any transactions or purchases, and I did not authorize any of the charges on this account. 

By way of example only, the PayPal Credit statement closing XX/XX/XXXXXXXX  reflects : - Multiple XXXX purchases - High dollar transaction amounts- Repeated transactions over multiple days These transactions total tens of thousands of dollars across statements and are entirely inconsistent with my behavior, as I have never used PayPal Credit. This activity strongly suggests unauthorized use or account takeover, not authorized cardholder activity. 

Synchrony has failed to provide any actual evidence, such as : - IP address or device identifiers- PayPal login or authentication records- Delivery confirmation or proof of receipt - XXXX account identifiers- Any signed or electronic authorization I am requesting regulatory assistance to require Synchrony Bank to : - Provide the evidence relied upon to deny my fraud claim - Reverse the fraudulent charges and related interest and fees - Correct or prevent any negative credit reporting - Conduct a proper fraud investigation consistent with federal law At this time, no delinquency or balance has been reported to credit bureaus. I request regulatory assistance to ensure no adverse credit reporting occurs while this unresolved fraud dispute remains pending. 

I am enclosing the denial letter, Synchronys cover letter with the statements, and representative billing statements.

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 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint regarding PayPals decision to place a permanent limitation on my account that prevents me from accessing PayPal Credit, without providing a clear explanation or a reasonable appeal process. 

My PayPal account was permanently limited on XX/XX/year>. Although I do not currently have any funds on hold, the limitation blocks my ability to use PayPal Credit, which I have relied on for legitimate purchases and cash-flow management. 

PayPal has stated only that the limitation was based on risk or policy concerns, but has not identified any specific transaction, activity, or policy violation that would justify a permanent restriction on credit access. 

I have contacted PayPal through customer support and the Resolution Center requesting clarification and review. Each response has been generic and automated, stating that the decision is final, without providing any factual basis or opportunity for reconsideration. 

Because PayPal Credit is a regulated consumer credit product, I believe PayPals lack of transparency and refusal to provide a clear explanation or review process is unfair and inconsistent with reasonable consumer financial practices. 

I am requesting : A fair resolution is full restoration of my PayPal account and PayPal Credit access. I did not violate PayPals User Agreement or engage in prohibited activity, and PayPal has not provided any evidence or explanation to justify a permanent limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint against Capital One Auto Finance regarding its refusal to address a valid dispute involving an unfunded warranty included in my auto loan. 

Capital One financed a vehicle purchase that included a {$4300.00} warranty. The dealership failed to pay the warranty administrator, leaving the contract unactivated. The dealership is now bankrupt.

I invoked my rights under the FTC Holder Rule, which allows consumers to assert seller-related claims against the holder of the credit contract. Multiple attempts were made to resolve this issue with Capital One via mailed complaints on XX/XX/year> and XX/XX/year>. Capital One ignored the substance of my claim and responded only with generic credit reporting information, refusing to investigate or provide relief. 

I am paying interest on a product never delivered Capital One is enforcing a loan balance inflated by seller misconduct My attempts to resolve the matter have been dismissed without review I request that the CFPB require Capital One to provide a substantive response addressing the Holder Rule claim and explain why it believes it may collect on an unfunded warranty.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Central Portfolio Control Inc.
State: VA

Complaint narrative:
Central portfolio control purchased an OLD debt from XXXX XXXX in which has been continuously reported to my credit report after speaking to them and informing them to remove it from credit report. They get rude and threatening on the phone and I never agreed to them purchasing my debt. This should have been written off already as it passes the statute of limitations with the original company and they were not authorized to purchase my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Complaint Narrative I am filing a complaint regarding an unauthorized electronic transaction in the amount of approximately {$1100.00} on my Navy Federal Credit Union account. 

When I first discovered the charge, I promptly reported it as fraud. Navy Federal issued provisional credit, indicating the transaction was initially treated as unauthorized. Navy Federal later requested additional information by email, which I did not see in time. As a result, the provisional credit was reversed and the claim was reclassified internally as a dispute.

Once I became aware of this, I immediately contacted Navy Federal and filed the dispute. Despite this, the investigation has remained open for several weeks with no resolution, no clear timeline for completion, and no reinstatement of provisional credit.

During multiple calls with Navy Federal representatives and supervisors, I was informed that no additional provisional credit would be issued, that there is no set timeframe for the investigation, and that Regulation E does not apply. I was also told there was no case file associated with the investigation, despite the charge being under active review.

The transaction remains unauthorized, and the removal of provisional credit while the investigation is ongoing has caused financial hardship. I am requesting that Navy Federal comply with applicable consumer protection requirements, reinstate provisional credit during the investigation, and provide a clear resolution timeline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BROADVIEW MORTGAGE CORPORATION
State: NY

Complaint narrative:
Broadview XXXX XXXX XXXX is reporting an account on my consumer credit reports that I dispute. I am requesting debt validation, as I have not been provided documentation proving that this debt is mine, that the amount reported is accurate, or that the account is being reported in compliance with the Fair Credit Reporting Act ( FCRA ). No original agreement, complete payment history, or verification of the balance has been provided.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
My bank erroneously processed XXXX payments of my Chase credit card balance for XXXX. Once on XX/XX/XXXX and once on XX/XX/XXXX. I called the bank and tried to cancel the XXXX payment on XX/XX/XXXX but they said it was already processed and to contact the credit card company. I called Chase and they didn't see the second payment yet, but assured me that I could receive the money electronically and I should call again once I could see the second payment hit my account online. On XX/XX/XXXX, I called Chase again and they said I would only {$3500.00} because there were already charges on my account and that I would receive an email giving me the option to get an electronic refund. However, my payment wasn't due yet for that cycle so they basically took a substantial part of my overpayment- without paying me any interest. I pay my entire balance at the end of every billing cycle nothing has been financed. I received no email so today on XX/XX/XXXX I called again and was informed that they sent a check for {$3400.00} via US mail to me ( note the amount went down because I charged something else on my account ). I complained that I overpaid them electronically and that I should have been refunded electronically and promptly. I spoke to a supervisor and complained that I was lied to about the form and timing of the repayment. She kept saying that the system decides if I would get an electronic refund option and there is no way for a human to know - I was really annoyed that she could not convey the criteria for which an electronic refund was allowed. If this were the other way around, they would charge me interest at an astronomical cash advance rate. Instead they sit on my money and it is taking two weeks to get it returned. I also don't think it's ethical that if I overpaid by {$5000.00} they get to keep part of it when it was NOT DUE yet until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX SOUTHWEST RECOVERY SERVICES XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : FORMAL DEBT VALIDATION & MEDICAL DEBT DISPUTE FDCPA 1692g | FCRA 607, 611, 623 | HIPAA | CFPB Medical Debt Rules Accounts in Dispute ( Medical Debt ) : XXXX {$890.00} XXXX {$1700.00} XXXX {$1300.00} To Whom It May Concern, This correspondence serves as formal notice that I dispute the validity, accuracy, and legal enforceability of the above-referenced medical debts pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ).

I do not acknowledge these debts, nor do I accept liability for the amounts alleged.

DEMAND FOR FULL VALIDATION ( FDCPA 1692g ( b ) ) You are hereby required to cease all collection activity unless and until you provide competent, lawful validation, including : The name and address of the original medical provider for each account A complete itemized billing statement showing dates of service, CPT codes, and charges Proof that the alleged balances are accurate and not inflated, duplicated, or adjusted by insurance Proof of assignment or authority granting you legal standing to collect medical debt The date of first delinquency for each account Proof the debt is within the applicable statute of limitations MEDICAL DEBTSPECIFIC VIOLATIONS & LEGAL NOTICE HIPAA Privacy & Authorization Medical debt collectors can not lawfully possess or disclose protected health information ( PHI ) without proper authorization.

If you lack HIPAA-compliant authorization from me, you can not legally validate this debt.

FCRA Accuracy Requirements Under 15 U.S.C. 1681e ( b ) and 1681s-2, medical accounts must be : 100 % accurate Fully verifiable Not misleading Failure to provide itemized proof renders reporting inaccurate and unlawful.

CFPB Medical Debt Rules Per CFPB guidance and industry standards : Paid medical collections must be removed Inaccurate or unverified medical collections must be deleted Medical debt reporting must allow for insurance processing and billing corrections If insurance was involved and balances were adjusted after the date of service, reporting the full balance is misrepresentation.

NOTICE OF RESTRICTIONS Until proper validation is provided : You may not continue collection efforts You may not report, update, re-age, sell, or transfer these accounts You may not verify these accounts with any consumer reporting agency Any violation will result in complaints filed with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Texas Attorney General And pursuit of civil remedies This letter is a lawful demand for validation, not a refusal to pay.

Failure to comply requires immediate deletion of all references to these accounts.

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
My vehicle was declared a total loss. My primary insurance and GAP insurance paid the loan in full as of the date of loss, which is confirmed by the attached GAP settlement statement.

Despite this, American Honda Finance assessed additional monthly payments, interest, and fees after the loss date while insurance and GAP were processing, and later charged off and sold this post-loss balance to a third-party debt collector, XXXX XXXX XXXX XXXX 
I did not voluntarily default, did not retain the vehicle, and did not benefit from continued use of the asset. The remaining balance consists entirely of post-loss charges that were excluded from GAP due to processing delays, not borrower misconduct.

XXXX XXXX XXXX has reported this balance to the credit bureaus and attempted to pressure me into a payment plan without offering deletion of the collection. 
I am requesting the following resolution : A post-loss courtesy adjustment of the remaining balance Recall of the account from collections Deletion of the collection tradeline from all credit reporting agencies I am disputing the validity and fairness of this balance and request full documentation supporting the assessment of post-loss charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I filed a CFPB complaint on XXXX and the company responded on XXXX and denied. The complaint closed. I was disappointed but the same day I got a letter saying that if I didnt pay the remainder of the loan they would pick up the car in 30 days, which is what Id been trying to do since XX/XX/year>. 
They denied most of my allegations but did admit that I called on XX/XX/XXXX, the same day I claim the tow truck was here and refused to take my car. What number did that call come from? The tow truck drivers phone. Its not on my phone bill. 
I waited 29 days from XX/XX/XXXX, parked my car where I was told to and removed my plates. In XXXX, I got a ticket for having a car without plates. I believed that just having finished a CFPB that they would actually pick up the car when they were supposed to, I shouldnt be responsible for the ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Starmark Financial LLC
State: LA

Complaint narrative:
STARMARK FINANCIAL LLC- is falsely reporting on my credit. I have never had any accounts with them. Per my research STARMARK FINANCIAL LLC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
ALDOUSis falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUSis a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: AL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information in violation of 15U.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 explanation