vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft related to the XXXX XXXX XXXX data breaches, and after reviewing my credit report, I have identified fraudulent items that do not belong to me. These inaccuracies are negatively affecting my ability to obtain credit and are causing defamation of my character. Under the Fair Credit Reporting Act ( FCRA ), including my rights under Sections 605B and 611, I request that all fraudulent accounts and inquiries be promptly investigated, blocked, and removed from my credit report within four ( 4 ) business days. Please inform me if any additional documentation is required to expedite this process.

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 2026-04-01 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: MA

Complaint narrative:
I am filing a complaint against this debt collector, Midland Credit Management for attempting to collect the following debts that is the result of identity theft : XXXX XXXX XXXX # XXXX {$3600.00} XXXX XXXX # XXXX {$6100.00} The account in question was opened fraudulently without my knowledge, consent, or authorization. I was a victim of XXXX XXXX during the time this account was created, and my personal information was used without permission. I do not owe this debt, have never used this account, and did not receive any benefit from it. I notified the debt collector that this account is fraudulent and requested that they cease collection activity and remove any credit reporting associated with it. Despite this, collection activity and/or reporting has continued. This conduct is harming my credit and causing ongoing XXXX related to past XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC
State: PA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had an account with capital one, I purchased an item from XXXX it was from a third party to XXXX the item was broken and returned but I was charged twice for it instead of getting the money refunded back to me. Which resulted in overdraft fees and my account being closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today XX/XX/XXXX I contacted citibank in the morning around XXXX because I wanted to dispute a transaction with XXXX for {$30.00}. The lady helped me and the reason for my dispute was false advertisement on their free trial. She gave me a temporary credit and I went on about my day. I was able to access my account and moved XXXX to my savings equaling XXXX total and XXXX in my checkings. Yesterday XX/XX/XXXX was payday so I deposited into this account since I got a paper check for my first one. Now again XX/XX/XXXX XXXX I try to log in because I was making a purchase for my daughter that got declined and It said my access is completely blocked. Citibank blocks me every week seriously they do which I informed them. They said they couldn't verify my # or ID so I had to wait for a letter in 7-10 days. I have emergency payments to make by the XXXX of XXXX who's going to pay all my fees after that then? They aren't giving me NO information at all.

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 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am disputing a debt placed with Transworld Systems Inc by XXXX XXXX. The initial collection notice dated XX/XX/XXXX stated a balance of {$170.00}. However, when I logged into the Transworld Systems Inc portal to dispute the debt, the balance had increased to {$540.00} without explanation or itemization. Prior to referral to collections, I contacted XXXX multiple times ( XXXX, XXXX, and XXXX ). During those calls, XXXX confirmed that equipment had been returned and repeatedly informed me that my account balance had been zeroed out and that I owed nothing further. Despite these assurances, the account was referred to collections. I was later told the amount represented a final month of service and a reconnection fee ; however, I was never informed during prior calls that any balance remained. I have requested documentation validating the full {$540.00}, including an itemized breakdown and proof of authorization for added fees. I have not received such documentation. I am requesting correction of the account, removal of any improper fees, and confirmation that this matter will not be reported inaccurately to credit bureaus. In XX/XX/XXXX, I contacted XXXX XXXX to transfer my account into my former partners name. After a call lasting more than XXXX hours, I was informed the transfer could not be completed. XXXX was informed that the equipment would be returned. In XX/XX/XXXX, I received a bill for {$170.00}. I contacted XXXX and explained the prior interaction. The representative contacted my former partner, obtained the tracking number, confirmed XXXX had received the equipment, and informed me that my account would be zeroed out and that I owed nothing further. In XXXX and again in XX/XX/XXXX, I received additional bills. Each time I contacted XXXX, reviewed the history, and was told that the account had been zeroed out and that I had nothing to worry about. Despite these repeated assurances, the account was referred to Transworld Systems Inc for collection. I was later told the amount represented a final month of service and a reconnection fee, yet I was never informed during prior calls that any balance remained. After referral, the amount increased to {$540.00} without explanation or itemization. I have requested documentation, call transcripts, internal notes, and a written explanation of why I was repeatedly told the account was zero if XXXX now claims a balance remained. I have not received this information. I am requesting full correction of the account, recall from collections if the debt can not be validated, and written explanation of the contradictory representations made by XXXX representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Subject : Formal Complaint against Chase Bank and XXXX XXXXXXXX XXXX XXXX XXXX Failure to Honor Contractual Travel Insurance Benefits To the Consumer Financial Protection Bureau XXXX I am filing this complaint against Chase Bank and its insurance provider, XXXX XXXXXXXX XXXX XXXX XXXX XXXX for the wrongful denial of a Trip Delay Reimbursement claim ( Claim # XXXX ). Despite my full compliance with the terms of the Chase Sapphire Guide to Benefits, the insurer has refused to reimburse me for a valid, covered event. Details of the Incident : On XX/XX/year>, I was traveling from XXXX ( XXXX ) to XXXX ( XXXX ). My flight was delayed by XXXX XXXX for more than XXXX hours due to severe inclement weather. Because of this delay, I missed my connecting flight. XXXX XXXX confirmed they could not get me home that evening and rebooked me for the following day. And because it was due to severe weather, XXXX XXXX told me they will not provide any lodging reimbursement. Contractual Basis for Claim : Per the Chase Sapphire Guide to Benefits, " Inclement Weather '' is a specifically listed covered reason for Trip Delay Reimbursement for delays exceeding XXXX hours. I used my Chase Sapphire card to book this travel, satisfying all eligibility requirements. Evidence Provided : I submitted a comprehensive claim totaling {$540.00}, which included : Itemized receipts for lodging, meals, and transportation. Two official statements from XXXX XXXX. Crucially, the second statement explicitly confirms the delay was due to " Weather. '' The Issue : XXXX XXXX XXXX denied the claim without a valid basis. Their denial suggests a gross failure to review the submitted documentation, specifically the airline 's official weather certification. By denying a claim that clearly meets the " Inclement Weather '' criteria, Chase and its partners are failing to provide the very benefits they use to market this high-annual-fee credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Pinebrook Holdings, LLC
State: MO

Complaint narrative:
I took a XXXX $ installment loan out from XXXX XXXX XXXX summer of XXXX and shortly after I lost my job and by the time I was able to start making payments I was denied and told it had to be made in full which I couldnt do at the time by the time I was able to pay it in full I was denied again and told that it had been sent to collections now I have received a XXXX order from them to my XXXX where the owed balance went from XXXX $ and some odd dollars to over XXXX $ due to an enormous interest rate of XXXX %

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I've tried disputing this item for the last 3 years they only dropping the balance but not making the changes to my credit. They referred me to a XXXX XXXXXXXX XXXX XXXX in XXXX where I was told they was told not to receive money for me only from the ex-spouse who the account belongs to XXXXXXXX XXXX XXXX tried taking me to court and suing me again.and I filed a. Appeal where the case was thrown out for wrong charges and false statement since then national credit system dropped the payment down but didn't remove I sent national credit system court documents saying the case was paid in full since then I've had trouble with equifax and experian removing the item from my credit.it stopping me from moving.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint and Dispute Under FCRA & Identity Theft ( XXXX XXXXXXXX XXXX XXXX Account ) To Whom It May Concern, I am submitting this formal complaint and dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and identity theft protections under 15 U.S.C. 1681c-2. I have discovered fraudulent and inaccurate information being reported on my consumer credit file. Specifically, the account listed as : - Creditor : XXXX XXXXXXXX XXXX XXXX - Account Status : Open, Past Due - Reported Balance : {$2000.00} - Late Payments : XXXX This account is the result of identity theft, which I have already reported to the Federal Trade Commission. My Identity Theft Report reference number is : XXXX ( See attached documentation : FTC Identity Theft Report and credit report excerpts ) Under FCRA 605B, I am requesting the immediate blocking and removal of this fraudulent account from my credit file. I did not authorize, open, or benefit from this account, and I am not liable for this debt. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ), no furnisher may report information that is inaccurate or that they have not properly verified. The continued reporting of this account is damaging my credit profile and causing measurable harm. I demand the following actions : XXXX. Immediate investigation of this fraudulent account XXXX. Permanent deletion/blocking of the XXXX XXXXXXXX XXXX XXXX account from all credit reporting agencies 3. Written confirmation of deletion 4. Cease all reporting of this account to any consumer reporting agency Failure to comply with this request will result in further action, including escalation for violations of federal law. This letter serves as notice that I am exercising my rights under federal law. I expect this matter to be resolved within the statutory timeframe of 30 days. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/year>. Summary of the issue : I am experiencing an unintended payment regression following PayPal/Synchronys forced conversion of my PayPal Credit account to a PayPal Credit Mastercard . This conversion removed previously functioning electronic billpay payment paths and has made timely payment unreasonably difficult, exposing me to late fees and credit reporting harm through no fault of my own. Detailed explanation : My original PayPal Credit account ( a Synchrony Bank product ) was converted by PayPal and Synchrony into a PayPal Credit Mastercard, which I was explicitly told would function as the same account with the added convenience of a physical Mastercard. In reality, this conversion changed the account number, remittance instructions, and electronic payment acceptance rules. Since the conversion, my XXXX XXXX XXXXXXXX online billpay system ( which uses XXXX as its payment processor ) can no longer send electronic payments to this account. The payee does not exist in the XXXX directory, and attempts to add it manually either fail validation or force unreliable paper check payments. Importantly : Electronic payments do work from other banks ( for example, XXXX ), proving the account is capable of accepting electronic bill payments. XXXX XXXX XXXXXXXX has confirmed this is a XXXX payeedirectory issue PayPal has stated this is a bank issue The end result is that no party takes ownership, while I am left with a broken payment path Consumer harm : This regression has created a high risk of : Late payments due to delayed or lost paper checks Late payment fees assessed by Synchrony Potential adverse credit reporting These risks did not exist before the forced account conversion. The consumer should not lose reliable payment methods because an issuer changes products internally. Why this is unreasonable : This was not a voluntary product change. I did not close or modify my account it was converted by PayPal/Synchrony . Removing existing, functional payment channels without providing equivalent alternatives effectively penalizes the customer and benefits the issuer through frictionbased late fees. Requested resolution : I am asking Synchrony Bank ( and PayPal, as cobranded partner ) to : Restore reliable electronic billpay acceptance for PayPal Credit Mastercard through common billpay processors ( including XXXX ), and Waive any late fees or negative reporting resulting from this paymentaccessibility failure during the affected period This is a systemic issue affecting many consumers following this product migration and warrants corrective action.

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 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex froze my savings account. I have uploaded the bank statements for verification of the source of funds and identification. However, funds and accounts are still frozen. Customer care is not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/year>, I received five PayPal payments from the same individual within a short time while we were together at XXXX XXXX. He asked me to withdraw cash due to ATM limits, and I immediately provided the funds in person. These were authorized transactions. The sender later falsely reported them as unauthorized, and PayPal reversed the payments and charged fees, leaving me with a negative balance. My account shows corresponding debit transfers and ATM withdrawals at the same time, supporting my claim. I requested a review and explanation, but PayPal did not properly consider the evidence. I am requesting a full reinvestigation, reversal of all chargebacks and fees, and removal of any negative balance or collections activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Goal Structured Solutions, LLC
State: VA

Complaint narrative:
I have something from Launch Servicing reporting on my credit. However upon receiving information requested, it was for a school I never applied to or attended. The school was XXXX XXXX XXXX. The signature spot was a form of different letters and numbers and I have knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: AR

Complaint narrative:
Western union money Oder made on XX/XX/year> was lost the XXXX digit number is XXXX the amount is XXXX. It was lost and western union regardless of information I send as in Store receipts police reports and bank statements of my purchase and ID have failed too send me a refund after months of files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
I am filing a complaint against Rubin & Rothman LLC regarding unprofessional and inappropriate conduct during a phone call on XX/XX/year>. I contacted the firm to follow up on instructions related to a wage execution matter. Instead of being connected to the representative I requested, I was routed to another employee ( XXXX XXXX ). During the call, the representative was dismissive when I explained my financial hardship and interrupted me repeatedly. More concerning, she asked me if I was attractive and made additional comments referencing my appearance. These questions were completely unrelated to my case and made me extremely uncomfortable. When I requested to speak with a manager, she initially claimed she did not know the managers name, then later provided a name and stated I would receive a callback. This behavior is highly unprofessional and inappropriate, especially given the legal and financial nature of the call. I am requesting that the company investigate this incident and ensure professional standards are upheld. I am also seeking confirmation that future communication will be handled appropriately.

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