vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
RECEIVABLE MANAGEMENT acct # XXXX XXXX, placed a collection on my profile for {$200.00}. XXXX is the issuers & validation of this collection hasnt been met.

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am requesting another investigation into this account reported by Midland Credit Management because I still have concerns regarding the accuracy and verification of this debt. I previously contacted Midland Credit Management to request validation and supporting documentation for the alleged debt. During my communication, they were unable to clearly provide account details or sufficient verification. I then mailed a written debt validation request requesting documentation proving the account belongs to me, including the original creditor information, account statements, chain of ownership, and proof of authorization to collect. Despite this, I have not received adequate documentation directly from the collector. The credit bureau marked the account as verified as accurate, but I do not believe a proper investigation was completed under the Fair Credit Reporting Act because I have still not been provided evidence validating the debt. I am requesting : * the method of verification used, * the name of the party who verified the account, * copies of any documents used to verify, * and removal of the account if proper validation can not be provided. Please reinvestigate this matter and ensure all reported information is complete and accurate under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I opened a XXXXXXXX XXXX XXXX XXXX. The bank failed to deliver the physical card, resulting in a {$0.00} balance and no activation. The 90-day signup bonus window expired entirely due to non-receipt of the card. The bank is refusing to extend the promotional window or manually honor the bonus despite clear internal records showing the card was never received or activated. The bank rolled the balances onto the new card and disable autopay for the former m activated card leading to hundreds of dollars of charges. I was told that my previous card would keep working until the new card arrived which ended up not being true.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
PayPal decided to limit/permanently limit my account after I received a payment for a saddle in XX/XX/year>. I provided the information they requested and upon submitting it they limited my account. I have not used that account for selling at all except the saddle. Everything else was payments made by me to other people and there arent many of them. Email with PayPal is XXXX Name on PayPal is XXXX XXXX ( my maiden name is XXXX XXXX XXXX ). Address is XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a large purchase and used the option to have a payment plan for it. The bank 's AI assistant and written information led me to believe that if I paid my balance in full, I would not incur installment fees. I paid my entire credit card balance in full before its due date, yet was charged an additional month 's installment fees, and told that I still had a balance of over {$300.00}. When I called the bank and asked why my payments were not applied to my balance, I was simply told that I still owed with no rhyme or reason for it. As far as I can tell, they've chosen to ignore the fact that I paid directly to my balance, and instead applied my payments to the active month. Thus forcing me to pay BOTH months, in order to avoid the installment fees. That is not at all what I was led to believe was required, and I would not have taken the custom pay plan had I known it was a moving goal post.

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 2026-05-28 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: CITIBANK, N.A.
State: HI

Complaint narrative:
I am a Citibank cardholder. I reported a fraudulent charge of {$200.00} made on XX/XX/year>, at XXXX XXXX XXXX. Citibank denied my dispute, stating the merchant provided proof I authorized the charge ( Case ID : XXXX ). Citibank completely failed to conduct a reasonable investigation. They mailed me the merchant 's evidence, which explicitly proves the charge was fraudulent. The hotel folio provided by XXXX clearly shows the room was booked and used by a man named " XXXX XXXX '', with an address of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX My name is XXXX XXXX and I live in Hawaii. The documents show my stolen credit card was saved to this stranger 's profile. Citibank 's automated systems or investigators simply saw my card number on a receipt and denied the claim, ignoring the fact that the merchant 's own documents identify the thief. I have repeatedly tried to resolve this with Citibank, but they have closed the investigation and reversed my credit. I am asking the CFPB to intervene so a competent executive team at Citibank will actually read the documents and restore the {$200.00} credit for this verified fraud.

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 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
am disputing this account because I requested debt validation regarding the alleged balance being reported from XXXX, which was later transferred under new management to XXXX ( XXXXt XXXXXXXX XXXX XXXXXXXX XXXX ). I never received proper documentation proving that I legally owe this debt or that the balance being reported is accurate. I requested verification of the alleged debt, including supporting documents, payment history, and proof of responsibility, but sufficient validation was not provided. Due to the property being transferred under new management, I am requesting proof that XXXX has the legal authority and accurate records to collect or report this alleged balance. Because the debt remains unverified, I am requesting the removal of this account from my credit report and rental history immediately. Reporting unverified information is inaccurate and unfair to my consumer record. A fair resolution would be the complete deletion of this account and all negative reporting associated with it if proper validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Complaint : I am disputing an alleged apartment debt associated with my former residence at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX. I was not evicted from this property. I surrendered possession of the unit, returned my keys, and vacated the apartment before the required deadline. I also provided notice to vacate on XX/XX/year>. Despite this, I believe inaccurate information and unsupported charges are being reported or shared with third parties and/or collection agencies. I dispute the listed charges, including damages, fees, and any implication that an eviction judgment occurred. To my knowledge, no eviction judgment was entered against me. I want assignment contract I am requesting : * Validation of the alleged debt * A complete itemized statement of charges * Copies of move-out inspections, invoices, and photographs supporting damages * Proof of any eviction judgment * Documentation showing whether the debt was assigned or sold to a third party * A copy of any assignment agreement authorizing collection activity * Clarification regarding disclosure of my personal information to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got a tjmx credit card. I had a small balance under {$200.00} I was unaware that my account was getting closed and I wasnt making payments. XXXX called multiple times customer service was arguing with me refusing to give me their name. I called multiple times about me making my payments automatically but company never did so. They said they were going to send a email for my dispute in XXXX days and its been way past that due date. This caused my family harm on not being able to extend credit.

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 2026-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple issues with my account ( XXXX ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.

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 2026-05-28 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple issues with my account ( XXXX ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.

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 2026-05-28 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: TX

Complaint narrative:
I am victim of a data breach and identity theft I am reaching out to request the immediate removal of fraudulent information from my credit report. The accounts and/or inquiries identified in the attached report were the result of identity theft, and I did not authorize or make these charges.

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 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am victim of a data breach and identity theft I am reaching out to request the immediate removal of fraudulent information from my credit report. The accounts and/or inquiries identified in the attached report were the result of identity theft, and I did not authorize or make these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XX/XX/XXXX at XXXX XXXX someone created a XXXX account using my email address and every help link, chat and phone number leads to an automated run around no live person even the help email responds with this email is not monitored. There is literally no way to get my email off this account that I did not create and I am getting emails about them sending and receiving money. Even the verify your email when you click this wasn't me it does absolutely nothing. This is crazy whats the point of verifying an email if they don't really check and there is no way to report that someone is using your email account fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
QWR /DVR and demand for disclosure under TILA According to the most recent conversation with XXXX XXXX, she advised me that I am the current holder of my original promissory Note. During my conversation with XXXX XXXX XXXX he said he does not know who is the Note holder, where my Note is located, who hired XXXX as its servicer, who authorized XXXX to collect from me, who is entitled to receive and who actually received my payments ; how much was received and how and by whom these amounts were calculated or even names of lawyers who represent XXXX. I demand documents establishing current Creditor who disbursed to me any money to fund or to buy my VA guaranteed loan ; disclose current ownership and physical Possession of my note ; disclose physical address of the current location of my original Note ; provide me full Transfer history with all endorsements and XXXX from each XXXX ; identification of all grantors and their relationship to the debt and proof of Authority to Transfer the Note and supporting documents evidencing delivery and acceptance of the original Note by all grantees, exact date when the note was delivered to the current Note holder ; Right to possession such as evidence of payment of value Disclaimer : I request the response from the real person, not from Artificial Intelligence. If this complain will be responded under stamp signature of XXXX XXXX XXXX, he must be advised that Making false statements to a government agency is a serious criminal offense. In the United States, it is primarily prosecuted under 18 U.S.C. 1001, which makes it a federal crime to knowingly and willfully lie to any branch of the U.S. government

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2026, I visited a BMO branch to withdraw {$10000.00} from my business account. The teller informed me the branch did not have that amount available and would need to order it. I then requested a {$24000.00} withdrawal instead, and the teller confirmed this was acceptable and advised that no further action was needed. I was not informed of any issue or concern. On XX/XX/2026, I discovered my business account had been restricted without notice. When I contacted customer service, I was given inconsistent and unclear information and was told only that I would need to wait 3090 days, with no case number or clear explanation. On XX/XX/2026, I visited another branch and was informed the restriction was allegedly related to my withdrawal request, my name on the account, and visiting a different branch location. This is unreasonable, as customers should be able to access their accounts at any branch location. When both my personal and business accounts were originally opened in person, bank staff reviewed my identification and advised that the shortened version of my name commonly used on my work identification and other financial accounts was acceptable for account setup. I relied on the banks guidance in good faith. The branch manager scanned and submitted my identification documents for verification, yet customer support still stated the matter had not been assigned for review. This conflicting information and lack of transparency have prevented access to my business funds and caused significant hardship. I am requesting immediate review, clarification of the restriction, confirmation that submitted documents were received, and prompt restoration of account access.

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am responding to your CFPB response dated XX/XX/2026. I want to clarify that I have not previously filed a police report regarding this fraudulent account. However, I still dispute ownership of this account and maintain that it was opened fraudulently without my knowledge, consent, authorization, or benefit. I will be submitting an FTC Identity Theft Report through IdentityTheft.gov and can provide that documentation for your review. Please do not treat the absence of a prior police report as an admission that this account belongs to me. I am requesting that Midland Credit Management conduct a full reinvestigation, provide all original account documentation used to verify this account, including the original application, signed contract, payment history, seller verification, chain of title, and any documents showing that I personally opened or authorized this account. If you can not verify that I personally opened, authorized, or benefited from this account, I request that you cease collection activity and request deletion of this account from all consumer reporting agencies where it is being reported. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I recently discovered a collection account reported by Jefferson Capital Systems ( XXXX ) in the amount of approximately {$150.00} appearing on my credit report. I do not recognize this alleged debt and do not recall entering into any agreement related to this account. I have reviewed my credit information and noticed inconsistencies in reporting. This alleged debt appears through XXXX under the XXXX credit report ; however, when I access my XXXX account directly, this account does not appear on my XXXX platform. Because of this inconsistency, I am requesting full verification of this alleged debt, including the original creditor, complete account history, date of delinquency, and documentation proving legal authority to collect and report this account. If this debt can not be properly verified as accurate and legally reportable, I respectfully request that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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