vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This Account is fraudulent. I am a victim of identity theft. This account was opened without my permission. I have reported the identity theft to the ftc and submitted an official affidavit. You are legally required to delete this account from my report under the fair credit reporting act. This is NOT my debt REMOVE IT NOW OR I WILL TAKE YOU TO COURT..

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 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
I am writing to formally file a complaint regarding my loan agreement with GoodLeap Financial, which was originated in connection with services provided by XXXX XXXX XXXX, aka XXXX XXXX. 

XXXX XXXX XXXX, aka XXXX XXXX, is now out of business, leaving me with an active loan obligation for work and warranties that can no longer be honored or supported. As a consumer, I find myself bearing the full financial burden of this agreement despite the fact that the originating XXXX is no longer operating. This situation highlights a significant lack of consumer protection within the structure of this loan. 

Additionally, XXXX did send an inspector to my home to assess issues related to the residential solar equipment. During this visit, the inspector raised concerns regarding the electrical wiring associated with the system. However, to date, I have not received a copy of the inspectors findings or any written report documenting these concerns. This leaves me without formal documentation of identified safety issues while I remain responsible for repayment of the loan. 

At the time of signing, I reasonably relied on the understanding that the XXXX would remain responsible for performance, service, and warranty obligations associated with the financed project. With XXXX XXXX XXXX, aka XXXX XXXX, no longer in operation, there is no recourse for incomplete work, future service needs, or warranty claimsyet I am still required to continue making payments under the loan agreement. 


Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year> I called Citibank because I did recognize a charge on my account, so they issued me a new Debit Card card from LA. Taking XXXX business days via XXXX, the Card went to NJ then down to GA where I am until XX/XX/XXXX, then coming home to NJ. When I did receive my card on the XXXX of XXXX I tried to Activate it and it said the card was not recognized, so I called in to activate it, to be told there was a system issue and to call back in XXXX hours, but I was also told to go to a branch, well there are not any in GA, and if I could one can not access anything with the card at all. I called today the XXXX of XXXX and the same thing can not access anything, the can not tell the customer anything. I can not transfer money and can not get money out either, this is ridiculous, people can not get money out for food and I can not travel back to NJ!!!!!!

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 2026-02-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).

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 2026-02-05 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: NC

Complaint narrative:
This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).

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 2026-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rosebud Economic Development Corporation
State: TN

Complaint narrative:
The company has called me and told me that if I did not pay them they were going to prosecute me in criminal court. I consulted an attny they advised me to submit a claim with cpfb and dispute the charges on my bank 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 2026-02-05 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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WI

Complaint narrative:
For a second time in 2 months I was charged on my virtual debit card of {$46.00} by XXXX XXXX when I never made a charge or even knew what this company was. I changed my virtual card number for a second time and somehow I was charged again. So I disputed this charge again to Chime and I told them I dont have any proof other then what is on my bank account. This time I called XXXX to dispute this charge which was on my chine account and XXXX told me they dont see anything from a XXXX XXXX on their end. So I told Chime this and yet they keep denying my disputes about these charges when I gave no one my virtual debit card numbers or used it at a XXXX XXXX company. So now this is my second dispute of {$46.00} against Chime as I have yet to get my money back.The fraudulent transaction happened on XX/XX/XXXX, and the second action happened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates
State: WI

Complaint narrative:
I disputed a collection account reported by XXXX XXXX with XXXX. 
My first dispute included my written demand to XXXX for validation under the FDCPA. XXXX  marked the account as verified based only on speaking with XXXX. They never asked whether validation was provided and never reviewed any underlying proof. 

XXXX has never validated this debt. 

I have now provided XXXX with new evidence a letter from XXXX XXXX XXXX dated XX/XX/year> confirming my account reflects a ZERO BALANCE. The original creditor states I owe nothing. 

XXXX is reporting a debt that does not exist and is misrepresenting the creditor identity. XXXX prior investigation was not reasonable under the FCRA because it relied solely on the collectors statement and ignored my rights under the FDCPA. 

This false reporting is damaging my credit and my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am requesting the Consumer Financial Protection Bureaus assistance regarding an unresolved ATM dispute involving my issuing bank, XXXX XXXX XXXX 
I am seeking a reevaluation of dispute case number XXXX based on new information received directly from XXXX, the ATM network operator. 
After contacting XXXX regarding the ATM malfunction, I was informed that they are unable to work directly with cardholders. XXXX advised that only the issuing bank or card provider can file a claim or dispute on the consumers behalf for this type of incident. 
The transaction in question occurred on XX/XX/year> at the following ATM : ATM Network : XXXX ATM ID : XXXX Location : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, TN XXXX During this transaction, the ATM dispensed {$160.00} and then immediately retracted the cash back into the machine. I did not have the opportunity to touch or retrieve the funds. This was an ATM malfunction, not a completed cash withdrawal, yet the funds were debited from my account. 
Despite this, my dispute was not resolved. Based on XXXX confirmation that the issuing bank must initiate the claim, I am requesting that the CFPB require XXXXXXXX XXXX to properly file a claim or dispute with XXXX on my behalf and conduct a thorough reevaluation of this matter. 
I am requesting full reimbursement of the {$160.00} and confirmation that the appropriate interbank claim process has been initiated. I am willing to provide any additional documentation or information necessary to support this request. 
Thank you for your time and assistance. I appreciate the CFPBs help in ensuring this issue is resolved fairly and in accordance with consumer protection standards. 
Kind regards, XXXX XXXX XXXX ending in 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 2026-02-05 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: DISCOVER BANK
State: VA

Complaint narrative:
Filed a dispute and the Discover credit card company denied my dispute for two reasons one they said it took me too long to file the dispute almost 8 or more months before I actually looked at or received the statement from the company. And two that by continuously paying my bill in part between the purchase date and dispute date I accepted that the charges where indeed mine and valid that I just should have stopped paying the bill altogether even though there where separated balance. I frozen the account and have always had the physical card this card was only used via chip or on XXXX somehow someone from the XXXX Scrapped the wallet data and used it online to purchase something at XXXX a website I've never heard of or used. I've emailed them to open up the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was a victim of online purchase fraud and the bank only wants to return part of the money they took from my card

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened and American Express card in hopes to do a balance transfer of XXXX I was pre approved however it didnt state the amount I was approved for. I accepted thinking I would get approved for more than XXXX however I didnt even though my credit is over a XXXX. I couldnt do the balance transfer because of the limit I was given. I would of never opened a credit card or taken a hit on my credit if I was given the accurate amount prior to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: MD

Complaint narrative:
Material status contradictions ( Paid vs. Derogatory ), 17-month payment date discrepancy, and mathematically impossible delinquency history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am requesting assistance with an issue involving XXXX XXXXXXXX XXXX. In XXXX, I sent XX/XX/year> {$5000.00} by XXXX and XX/XX/year> {$6900.00} by wire to my XXXX  account. After complying with all requests and waiting the required hold period, my account has remained under review with no clear communication or resolution. 

I have been unable to access my funds, and this situation has caused financial difficulty, including the closure of my bank account. I am simply seeking access to my funds I want to send out my bitcoin out of the app because I have only chime bank and it not supported with the app Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This correspondence serves as my formal rebuttal to XXXX XXXX, XXXX response stating they are unable to identify an account associated with my information. 

XXXX XXXX position is legally inconsistent and unacceptable. 

If XXXX XXXX is furnishing information to any consumer reporting agency under my name and identifying information, then XXXX XXXX i

s, by law, required to possess sufficient records to identify, verify, and validate the account being reported. Claiming an inability to locate the account while simultaneously reporting it to the credit bureaus is a direct violation of federal law. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), XXXX XXXX has a non-delegable duty to maintain accurate records and to fully investigate disputes regarding any account they furnish to consumer reporting agencies.

I am not required to provide an account number to a debt collector who is reporting a tradeline on my credit report. The burden of proof rests solely with the furnisher of the information.

I hereby demand that XXXX XXXX  provide full validation of the alleged account, including but not limited to : The name of the original creditor The original account number The date the account was opened The date of alleged default A complete payment history A copy of the original signed agreement bearing my signature Documentation demonstrating XXXX XXXX legal authority and chain of assignment to collect on this account If XXXX XXXX is unable to produce the above documentation, they must immediately delete this tradeline from all consumer reporting agencies to which it has been furnished. 

A debt collector can not lawfully report a debt while simultaneously claiming it can not identify the account. This constitutes inaccurate reporting, failure to conduct a reasonable investigation, and non-compliance with federal consumer protection statutes. 

I expect prompt correction of this matter and written confirmation of the actions taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: MORGAN STANLEY & CO. LLC
State: OH

Complaint narrative:
I opened a XXXX with the institution with a promotion that gave a cash bonus if you kept a certain amount in the account for the first XXXX days. I intended to keep that amount ( $ XXXX ) in the account and after the first XXXX days was going to slowly begin using their investment products. On XX/XX/XXXX, I went to sign in to add money to the account and was unable to login. 

I called customer service and they told me they " no longer want to do business '' with me. There was no explanation as to why, and I was told it was an irreversible decision. I inquired as to how I can get my $ XXXX back. They had me upload highly personal information -- including photographs of my government ID, my SSN, a photograph of me holding my government ID, and a handwritten and signed letter asking for access to my own money. 

However, despite complying with exhaustive identification requirements, the institution did has not let me access my funds. While I think their decision that they " no longer want to do business '' with me is unwarranted and still have no understanding as to why, I am willing to respect that decision. But I should have a right to access my money and withdraw it from the institution. 

The funds were transferred into the account by me from a bank account where my identity is also verified. Nobody but me has done anything with regard to the account. The institution has taken my personal information and verified my identity at the opening of the account a few weeks ago and again after it unilaterally and without notice closed my account. 

I am formally requesting access to my money to withdraw it from the institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
CREDITACPT is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDITACPT 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 XXXX XXXX XXXX - XXXX 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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I have already filed an FTC complaint regarding this account. CreditFresh is reporting the same alleged debt twice on XXXX as XXXX with no account number and again as XXXX/XXXX  with account number XXXX, both in the amount of {$3100.00}. Reporting the same debt multiple times with conflicting identifiers is misleading and inaccurate.

I never received the required initial written notice before this account was placed on my credit report, in violation of FDCPA 809 ( a ). After discovering the account, I requested proper debt validation more than 30 days ago, including the name of the original creditor, a valid account number, an itemized balance, documentation proving my legal obligation to pay, and proof that CreditFresh has the authority to collect and report this debt. No validation has been provided.

Despite the lack of notice and failure to validate, CreditFresh continues to report this accounttwicewhich constitutes continued collection activity without validation in violation of FDCPA 809 ( b ). Reporting duplicate and unverified information also violates FCRA 623 ( a ) ( 1 ) ( A ) and reflects a failure to conduct a reasonable investigation under FCRA 611 ( a ). This reporting does not comply with XXXX XXXX standards, which require accurate, non-duplicative, and consistent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Top Line Collectors LLC
State: NY

Complaint narrative:
I sent a letter to XXXX XXXX on XX/XX/year> certified mail. I requested a written debt verification and validation. In the letter I told them to solely contact me in writing via US postal service. 
Certified letter received by them XX/XX/year> On XX/XX/year> XXXX XXXX sent me a text asking to reach out to their company at XXXX despite my request to only send written notification.

Company response to consumer: Closed with explanation