vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Around XX/XX/XXXX, I disputed several collection accounts on my credit report with this credit reporting agency. 

Between XX/XX/XXXX and XX/XX/XXXX, the credit reporting agency responded that the disputed accounts were verified. 

On XX/XX/XXXX, I sent a written request by certified mail requesting the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

The request was delivered on [ XX/XX/XXXX XXXX XX/XX/XXXX ], as confirmed by USPS proof of delivery.

Under federal law, the credit reporting agency is required to provide a description of the procedure used to verify the disputed information within 15 days of receipt. 

As of XX/XX/XXXX, the credit reporting agency has failed to provide the requested method of verification or any supporting documentation. 

By failing to respond, or by providing only a generic verification without explaining the procedure used, the credit reporting agency has not complied with the Fair Credit Reporting Act. 

Accounts Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: SC

Complaint narrative:
CBA MACON is falsely reporting on my credit. I have never had any accounts with them. Per my research CBA MACON 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Many accounts were opened using my information associated to a different address. I need these accounts removed from my credit report. There are also numerous inquiries along with them.

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 2026-02-12 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover Card Refuses to Honor 5 % Cashback Offer On XXXX XXXX, XXXX Discover Card made the following offer via their website : You activated to earn 5 % Cashback Bonus at Grocery Stores, Wholesale Clubs, and Select Streaming Services from XX/XX/XXXX ( or the date on which you activate 5 %, whichever is later ) through XX/XX/XXXX, on up to {$1500.00} in purchases. 
Grocery Store purchases include those made at supermarkets, meat lockers, bakeries, smaller grocery stores, and grocery delivery services. All purchases made from XXXX or XXXX are not eligible. Purchases from convenience stores and discount stores may not qualify. 
Check with XXXX XXXX make sure your Discover Card is accepted. Purchases of affiliated Wholesale Club services, such as delivery services, travel, and cell phone purchases, may not be eligible in this category. Individual merchants and stand-alone stores within physical Wholesale Club locations , or online, may not be eligible in this category.

Note that Wholesale Clubs conditions do not provide a disclaimer that Fuel Purchased at a Wholesale Club is NOT eligible for the 5 % Cashback Bonus. I spoke to supervisors at Discover who admitted that the omission was a mistake on their part and attempted to claim that fuel would be eligible for the bonus IF the gas station ( a XXXX 's owned and operated station, which is steps from the XXXX store entrance ) was located inside of XXXX 's Wholesale Club.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My XXXX credit card account was transferred to Capital One during the portfolio transition. Shortly after the transfer, the account was permanently closed without prior notice. When I contacted Capital One, I was told the closure was final but was not provided a clear reason or documentation explaining the decision. I am requesting clarification and confirmation of accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HOPE BANCORP, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding XXXX  XXXX XXXX refusal to properly investigate and reverse unauthorized recurring credit card charges. 

In XXXX, XXXX, I made a one-time purchase of a massage device for {$49.00} from an online merchant. I received XXXX product as expected. However, after this purchase, I was charged {$42.00} per month for XXXX additional months, totaling {$120.00} in unauthorized recurring charges. 

I did not authorize any subscription, recurring billing, membership, or automatic shipment program. The merchant has refused to resolve the issue. I contacted Bank of Hope multiple times to dispute these charges as unauthorized recurring transactions under the Fair Credit Billing Act ( FCBA ). Instead of properly investigating or initiating a chargeback process, the bank simply canceled my card and issued a replacement. They have refused to reverse the already posted charges or conduct a meaningful investigation. 

Under the Fair Credit Billing Act, I have the right to dispute unauthorized charges. The bank has an obligation to investigate and resolve billing errors. Simply replacing the card does not resolve the financial harm caused by these improper recurring charges. 

I am requesting that : Bank of Hope formally investigate these unauthorized recurring charges. 

The XXXX {$42.00} charges ( total {$120.00} ) be reversed. 

The bank comply with its obligations under the Fair Credit Billing Act. 

I have documentation including : Original purchase receipt Credit card statements showing the recurring charges Communication attempts with the merchant Records of my contact with the bank I am seeking reimbursement of {$120.00} and proper enforcement of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or about XX/XX/year>, an ACH deposit of {$100000.00} from XXXX was credited to my JPMorgan Chase checking account. 
ACH trace number : XXXX Shortly after the deposit, my account was suspended and I lost access to online banking. I am unable to access the funds. 

The account originated from XXXX XXXX XXXX  and was transferred to JPMorgan Chase following XXXX XXXX failure. I believe there may be a data migration issue related to the SSN on file. My Social Security number is correct and has been previously used for tax filings. 

I have contacted Chase to resolve the matter ; however, representatives state they can not proceed without the account number. Because the account is suspended, I can not obtain the account number. 

I am currently residing outside the United States and can not receive postal mail. Secure messaging is unavailable due to the account suspension. 

I am requesting formal identity reconciliation and correction of any SSN mismatch so the funds may be released, or alternatively return of the ACH deposit to the sender if the account can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have been with this bank for 40 years! I have always had positive accounts and been a regular normal user of my checking account. I have normal direct deposits and withdrawal done. While experiencing a medical emergency and being admitted to the ICU at the hospital. My account went into the negative and overdraft fees were assessed. Some assessments of fees were 700 % more then the item itself. I requested an adjustment as a courtesy. I was told not all fees could be reversed as it was a systematic thing. I request to speak to a supervisor and was told I had to call back on another day. I called back on another day I was told I needed to speak to another department was never transferred. I requested my account to be frozen multiple multiple times the agent never assisted me. I then called back a third day I requested to speak to a supervisor, which I was able to have then escalated a complaint about the excuse of being systematic. I looked into all of my paperwork from this bank and nothing in their states the system would not allow a courtesy adjustment. I was lied too many times which created additional issues. I know its against the law for this bank to lie to me. I was then told my dispute would be escalated and I would be contacted within 10 days. I was not contacted within 10 days. I had to call back weeks later to get follow up and I was informed I was sent an email that went to junk. So I was never informed I again asked to adjust these fees and was told I was not able to as their policy and procedures. When asked to point me towards those policy and procedures that pertain to me in some sort of document that I signed and was aware of, I was not giving an answer. I have been given erroneous information. I have been refused to freeze my own bank account. I have not gotten my promise 10 days contact and additionally have been lied to multiple times. This is caused a monetary issues where I physically had to change banks to continue with my daily life. Id like to satisfaction of all fees removed from this account.

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 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Florida Southern Bankruptcy Court Fort Lauderdale Divisional Office that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Florida Southern Bankruptcy Court Fort Lauderdale Divisional Office that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: NJ

Complaint narrative:
At least twice per week for at least XXXX  months i've been receiving texts from Unifin with a link to pay a debt. The link takes me to a confirmation screen that does show my correct legal name. I don't confirm or proceed as I believe it to be a scam. I've checked my credit reports multiple times and I have no outstanding unpaid debt or nothing sent to collections. 
The link bings me to uoffer.unifininc.com If I try to access from a direct inquiry vs. the link it appears I have no open file. 
The most recent text is from XXXX I report and block each time but the texts continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am extremely frustrated that inaccurate late payments are still appearing on my credit reports this morning, and I can not understand why they remain. Even after refreshing my browser, the inaccurate late payments were not removed. I need this matter reviewed immediately and the documents I submitted examined carefully so I can finally stop worrying about this ongoing issue.

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 2026-02-12 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: NJ

Complaint narrative:
I am extremely frustrated that inaccurate late payments are still appearing on my credit reports this morning, and I can not understand why they remain. Even after refreshing my browser, the inaccurate late payments were not removed. I need this matter reviewed immediately and the documents I submitted examined carefully so I can finally stop worrying about this ongoing issue.

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 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bilt Technologies, Inc.
State: MI

Complaint narrative:
I am filing this complaint regarding an improper credit inquiry requirement and failure to honor an approved credit card upgrade for the Bilt Palladium card.

I was an existing Bilt cardholder when I was offered an upgrade to the Bilt Palladium credit card. I applied for the Palladium card and was approved. 

On XX/XX/XXXX, I contacted customer service to confirm my approval status because the new card was not yet visible in my Bilt app. I was explicitly told by the representative that I had been approved and that no further action was required on my part, and that I simply needed to wait for the card to be issued.

Relying on this information, I did not take any additional action. 

On XX/XX/XXXX, after still not seeing the card issued, I contacted Bilt again and was informed for the first time that the upgrade/conversion window had expired and that the only way to proceed would be to submit a new application requiring a hard credit inquiry. 
I requested escalation to a manager to resolve the issue. I was told that a manager would contact me within 24 to 48 hours. I did not receive any follow-up or contact within that timeframe. 

On XX/XX/XXXX, I contacted Bilt again to follow up on the unresolved escalation. At that time, I was told that nothing could be done and that I would need to wait 45 days and reapply for the Bilt Palladium card, which would be in XXXX, requiring a new hard credit inquiry. 

This situation is unreasonable and inappropriate because : I was already approved for the Bilt Palladium card I relied on incorrect guidance from the issuers representative stating that no further action was required The expiration of the upgrade window was due to the issuers internal processing failure, not my actions The issuer failed to follow through on a promised managerial escalation within the stated timeframe I am being penalized for the issuers errors and lack of follow-up by being forced to reapply and accept an unnecessary hard credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I submitted a XXXX XXXX XXXX XXXX XXXX with the FSA of the Department of Education on XX/XX/XXXX and received confirmation it was received ( case # XXXX ). I was informed the average processing time is 45 days. 

I have reached out to on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I have been told conflicting information and no timeline or updates have been given about when I will receive my buyback letter that will outline what I owe. When I spoke to XXXX on XX/XX/XXXX, I was told that my case was " expedited '' and someone would reach out in 15 days. She also gave me the case # XXXX. When I spoke to XXXX on XX/XX/XXXX, she was unable to locate anything related to this case number nor when I would hear from someone, as the 15 days have long passed. 

On XX/XX/XXXX I spoke to a supervisor at FSA and was told my application is reviewed by a separate team and no one can be contacted. I inquired about submitting a complaint and was told that submitting feedback is the complaint process. I submitted feedback then. On XX/XX/XXXX, I reached out the Ombudsman at XXXX to file a complaint and try to resolve my application. I was told that they don't handle this despite their website reporting otherwise. On XX/XX/XXXX, I put in a formal request to my loan servicer XXXX to follow up with FSA regarding my application. On XX/XX/XXXX, I also emailed my XXXX, XXXX XXXX, to seek assistance from his office to resolve this issue. 

There have been 328 days, including XXXX business days, between today ( XX/XX/XXXX ) and the date of my XXXX XXXX XXXX XXXX XXXX application ( XX/XX/XXXX ). This is well beyond ( about XXXX times ) the advertised 45 day processing time.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
TSI is harassing me about a debt incurred in Florida, owed to " XXXX XXXX XXXX Florida XXXX ''. I don't live in Florida, and I have never been to Florida. This company contacts me and leaves no information other than that they are contacting my number regarding a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
COMPLAINT ID XXXX I filed a previous complaint with this company. Yet they still continue to harass my place of employment about me. Again today, they emailed my company 's info email box, which goes to EVERYONE in the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
TRANSWORLD is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD 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