vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: HI

Complaint narrative:
They said there still investigating XXXX and they can give me credits that a lot of money i loss {$990.00} and I am getting evicted and I never even eat.. They said they cant help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXX, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. XXXX. XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} open date XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} open date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} open date XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian , XXXX, and XXXX to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2026-03-29 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: NJ

Complaint narrative:
I want you to immediately remove this account from my credit report.

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 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
One of my debt is from a company I had purchased furniture from. I unfortunately lost my job at the time and couldnt continue with payments. Due to me losing my job I couldnt pay for the rent I had where I lived and ended up moving out. Those are the two main account I recognized from my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint regarding a debt collector for violations of my rights under federal law, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. XXXXc, I have requested that this collection agency cease all communication with me. Despite this request, I continue to receive contact and/or improper handling of my account. Under 15 U.S.C. XXXX, I am requesting full validation of the alleged debt. I have not been provided with sufficient documentation proving that I am legally obligated to pay this debt. Additionally, under 15 U.S.C. XXXX ( b ), all information reported to consumer reporting agencies must be accurate and verified. I do not consent to the continued reporting of this account without proper validation and verification. I also do not authorize this company to obtain, access, verify, or share any of my personal or credit information without proper legal basis. This serves as formal notice that : - I dispute the validity of this debt - I request full validation of the debt - I demand that all collection activity cease - I request removal of this account from my credit report if proper validation can not be provided I request that this matter be investigated and that the company : XXXX. Cease all communication with me XXXX. Provide proper validation of the debt XXXX. Remove any inaccurate or unverified reporting Failure to comply may constitute violations of federal law, and I am prepared to pursue further action if necessary. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: PA

Complaint narrative:
So I have a XXXX season pass which I get for myself and my son every year. The current one I have is good for the season until XX/XX/XXXX. Of which I only owe XXXX payments of {$38.00}. When I updated my payment method on my current payment plan. They attempted to take additional money out without my consent. In the tune of {$220.00}. I have XXXX complaints on this company associated credit services. The first XXXX is I never received anything in the mail to review the right to dispute. So they can't try to lie about that because I have informed delivery as well. Therefore I know everything that has been sent to me. I also never received any phone calls from them. Not XXXX single call! Fraudulently attempting to take money out of my account without consent. Only after updating my payment method on my current payment plan. Lastly they falsely reported information to the credit bureaus damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: WY

Complaint narrative:
They promised to reduce my {$41000.00} dollar debt by {$21000.00}. I have to this day paid more than what I owed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Whom It May Concern, I am writing to formally dispute inaccurate information currently being reported on my credit file. The account in question is listed under Bridgecrest XXXX XXXX, which is being reported as a repossession with an outstanding balance of approximately $ XXXX. This information is factually incorrect. This account has been paid in full, and I have documentation to support this. Furthermore, this same account was disputed with XXXX, who conducted an investigation and subsequently deleted the account from my credit report after verifying proof of payment. Despite this, XXXX continues to report inaccurate and misleading information, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a proper investigation of disputed information I am requesting the following : 1. A full reinvestigation of this account 2. Verification of the alleged balance and repossession status 3. The method of verification used 4. Immediate deletion of this account from my credit file if it can not be accurately verified If you are unable to provide documented proof that this debt is valid and still owed, then under federal law, you are required to delete this account immediately. Please note that reporting a paid account as an outstanding repossession is materially misleading and damaging to my credit profile. If this matter is not corrected promptly, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue all available legal remedies. I have enclosed copies of documentation supporting that this account was paid in full, as well as evidence of XXXX deletion. Please complete your investigation within the timeframe required by law and provide me with written confirmation of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo issued XXXX credit cards with high credit limits under my name without my authorization. I did not apply for these accounts, I never received the cards, and I never activated or used them. All activity associated with these accounts occurred without my knowledge or consent. Wells Fargo reviewed the situation and acknowledged that XXXX of the accounts was fraudulent, but they have refused to recognize the second account as fraud, despite the fact that the circumstances are identical. I do not possess either card, I do not know the account numbers, and the transactions appear to have been online purchases, which I did not make. This situation has caused significant stress and concern, as these accounts were opened and used without my involvement, and I am now being held responsible for an account that is clearly fraudulent.

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 monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint regarding an alleged debt being collected by this company that has not been properly validated. The original account was with XXXX XXXX XXXX XXXX and was reportedly sold or transferred to a third party ( LVNV Funding LLC XXXX Resurgent Capital Services ). I have requested written validation of this debt, including documentation of the chain of ownership, account balance breakdown, and proof of legal authority to collect. Despite my requests, the company has not provided sufficient documentation to validate the debt. Additionally, the account is still being reported under the original creditor on my credit report, which creates confusion regarding who legally owns and is authorized to collect this debt. I have attempted to resolve this matter directly with the company, including requesting settlement options and verification, but have not received a meaningful response. At this time, I am requesting that the company : XXXX. Provide full validation of the debt, including chain of title and ownership XXXX. Verify the accuracy of the balance being reported XXXX. Correct or remove any inaccurate or misleading credit reporting XXXX. Cease collection activity until proper validation is provided Until this information is provided, I dispute the validity and enforceability of this debt as presented by this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This complaint concerns a disputed collection account in the amount of {$3600.00} reported by I.C. System, Inc. on behalf of XXXX XXXX XXXX related to a carpet installation project from XX/XX/XXXX. The installation was not completed in a satisfactory or workmanlike manner and was never accepted. Due to unresolved defects, repeated appointment cancellations, and service issues, no certificate of completion or acceptance was signed. I requested validation of the debt from the collection agency ( I.C. System ), via certified mail. The only documentation provided was a pre-installation invoice and a COMMUNICATION ARE CEASED response, which does not demonstrate that services were completed or accepted. I disputed this account with XX/XX/XXXX in XX/XX/XXXX. Although the account was marked as verified, the report contains multiple invalid date entries, indicating inaccurate or inconsistent reporting. Additionally, XXXX XXXX representative, XXXX XXXX, provided conflicting explanations in multiple emails regarding the validity of the debt. A settlement offer of {$2000.00} was made on the {$3600.00} balance. After I declined this offer, communication from XXXX XXXX ceased. Subsequently, another XXXX XXXX customer service manager began contacting me by phone despite the account being formally disputed. I do not owe this debt. I request deletion of this account and cessation of all collection activity.

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 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Highway XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Items on Credit Report Dear Experian , I am writing to formally dispute certain derogatory items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, specifically under XXXX XXXX XXXX ( d ), XXXX XXXX XXXX ( i ), and XXXX XXXX XXXX ( d/e ) Please reinvestigate the items below and make corrections and remove due to creditor have not provided submissiable evidence to support items last XXXX days Heres the details of my dispute below : XXXX ) Fraud Alert Remarks Needs Be Removed collections Total balance : {$7200.00} MG CREDIT Original creditor XXXX XXXX Balance {$4300.00} Balance updated XX/XX/XXXX NATIONAL CREDIT SYSTEM Original creditor TOWNHOMES AT XXXX XXXX XXXX XXXX {$2900.00} Balance updated XX/XX/XXXX XXXX Inaccurate Personal Information : XXXX XXXX XXXX XXXXXXXX ( inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accurate below Name : XXXX XXXX XXXX Address : XXXX XXXX Highway XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
They continue to call XXXX or more times a week. Even after I told them they can not be calling more thenXX/XX/XXXX times in a XX/XX/XXXXday span.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CreditNinja Lending, LLC
State: FL

Complaint narrative:
In XX/XX/year>, I obtained a loan from Credit Ninja ( Account XXXX. XXXX ). Due to financial hardship, I was unable to make full payments but made good-faith attempts, including partial payments and requests for forgiveness. XXXX XXXX XXXX XXXX ( d/b/a Structured Settlement ) later began claiming to collect on this debt, totaling {$1900.00}, without providing verification, documentation, or proof of authority to collect. They continue reporting the account to credit reporting agencies without validation. I have repeatedly requested : Debt verification under FDCPA XXXX ( b ) Correction of inaccurate information to credit reporting agencies under the FCRA Clarification on account ownership and legitimacy of collection Despite these requests, Defendants have failed to respond properly, continued collection activity, and reported unverified information. This has caused financial stress, emotional distress, and credit harm.

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 2026-03-29 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: CA

Complaint narrative:
Im trying to work my credit but its impossible when the information Equifax and XXXX credit leaders is not the correct so I decided not to use the credit services till this info is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified information currently being reported on my credit file. After reviewing my credit report, I discovered that Portfolio Recovery Associates is reporting a collection account with a balance of approximately {$470.00} and account ending in XXXX. I disputed this account and requested validation of the alleged debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I requested documentation verifying the accuracy of the account, including : A copy of the original signed contract with the original creditor A complete payment history and itemized breakdown of the alleged balance Documentation showing the date of first delinquency Proof that Portfolio Recovery Associates has the legal authority to collect this debt Despite my request, the company continues to report the account to consumer reporting agencies without providing proper documentation verifying the debt. Reporting an unverified debt to credit reporting agencies may constitute violations of the Fair Credit Reporting Act, which requires furnishers of information to ensure the accuracy and completeness of the information they report. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require the company to either : XXXX. Provide full documentation validating the alleged debt, or XXXX. Immediately remove the account from all consumer reporting agencies includingXX/XX/XXXX, and XX/XX/XXXXif the debt can not be properly verified. Consumers should not have inaccurate or unverifiable debts reported on their credit reports. I have attached documentation supporting my dispute, including a copy of my credit report showing the account and copies of my dispute correspondence. I respectfully request that this matter be investigated and resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Received a false call pretending to be citi bank and claiming a large charge had been made on a card I had recently opened. I had made no such application for a card or charge. They said it wasnt accountable as long as I filed a police report within XXXX hours and offered to connect me to

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 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding a XXXX XXXX account ( XXXX XXXX ) that has been placed in collections with Credit Corp Solutions. After reviewing the statements provided, I identified clear discrepancies : - Payments were made via automatic payment and recorded as Automatic Payment Thank You - These payments were posted on or before the due date - Despite timely payments, the account was charged late fees and returned payment fees - These fees appear to have been improperly applied and compounded over time This created an inaccurate and inflated balance, which ultimately led to the account being sent to collections. As a result, my credit score dropped from approximately XXXX to the low XXXX, causing significant financial harm, including higher interest costs on a {$450000.00} mortgage. I am requesting : 1. A full investigation into the application of payments and fees 2. Removal of improperly assessed fees 3. Correction or removal of all negative credit reporting 4. Written confirmation of the findings This account is inaccurate as reported and I believe it may involve violations of federal consumer protection laws, including the Fair Credit Billing Act and Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I lost my job last year in XXXX and I couldnt keep up with my payments

Company response to consumer: Closed with explanation