vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 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: WA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information being reported by Experian on my consumer credit report. 

Charged-Off Account XXXX XXXX Account XXXX XXXX ( Reported XX/XX/XXXX, Balance {$4100.00} ) This account is being reported as charged off. I dispute the accuracy, completeness, and verifiability of this account. Experian has failed to provide proper documentation showing that this debt is mine, that the balance is accurate, and that the account was reported in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). If Experian can not properly verify this account, it must be deleted. 

Inquiry XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX I did not authorize this inquiry and have no permissible purpose knowledge under FCRA 1681b. Experian has not provided evidence of authorization. This inquiry should be removed immediately. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments are being reported inaccurately. Experian has not provided payment history documentation proving these late marks are accurate. Under the FCRA, Experian must ensure maximum possible accuracy. If verification can not be produced, these late payments must be removed or corrected.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Formal Dispute Letter Demand for Investigation Procedure ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( XXXX ) FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Reinvestigation and Full Disclosure of Procedures To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I am disputing the accuracy of the following item ( s ) appearing on my credit report : Creditor : NAVY FCU Reported by : XXXX XXXX XXXX Date of Original Dispute : XX/XX/XXXX Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), upon completion of your reinvestigation, you are required to provide me with : 1.A description of the procedure used in your investigation to determine the accuracy and completeness of the disputed information. 
XXXX.The name, address, and telephone number of each furnisher of information you contacted in connection with this reinvestigation. 
XXXXCopies of all documentation you relied upon in verifying the account ( XXXX ). 

If you can not provide documentary evidence to substantiate the accuracy of the disputed account ( XXXX ), you must immediately delete the item ( XXXX ) from my credit report as required by law. 

Failure to comply with these obligations will constitute willful noncompliance with the FCRA, subjecting your agency to statutory damages of up to {$1000.00} per violation, in addition to any actual damages and attorneys fees, as provided by law. 

Please complete your reinvestigation and provide me with your results and the required description of your procedures within 30 days of receipt of this notice. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
When I registered the motorcycle in XXXX the DMV collected the original title and informed me they would mail it to me once the lien was satisfied. After I paid off the loan in XX/XX/year>, I never received the title. 

When I returned to the DMV, they informed me that they can not release my title because the lienholder on record is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They stated that they require a REG 166 Lien Satisfied / Legal Owner / Title Holder Release signed by the legal owner who appears on the DMV record. 

The Issue Affirm told me they can not complete the lien release form and directed me to XXXX XXXX 

XXXX XXXX told me they can not provide the form because they do not have access to the loan records and Affirm is the third-party servicer. 

DMV will not accept the Affirm payoff letter alone and requires the lienholder shown on record ( XXXX XXXX ) to sign the REG 166 or provide an official lien-release letter. 

This has left me stuck in a loop where I can not obtain my legal title despite the loan being paid in full for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received this American Express Gift Card on the week of XXXX XXXX. I attempted to use this gift card to purchase items from an discount website specifically for product experts called XXXX XXXX XXXXXX/XX/XXXX ) Upon attempting to use the card, I received errors stating there were problems with the purchase and that my payment method could not be verified. 

I contacted American Express ( XX/XX/XXXX ) and was led through a script about how only trusted merchants that require the expedition date, CCV or trusted information can be used. XXXX requires all of these, such that to their point the transaction should be valid. AMEXs solution was to delay my call until a supervisor could be available, which has not occurred. 

This experience has happened to me before, and I posted an identical complaint in XXXX which should be visible on my account. I have multiple of these cards, and would like to lodge a complaint for all XXXX of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: AZ

Complaint narrative:
An account was opened and activated without my authorization. I did not apply for or activate this card. Please close the account and mark as 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 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prime Recovery LLC
State: TX

Complaint narrative:
Called XXXX times since XX/XX/XXXX, using the crediting company " prime recovery '' trying to find a male who does not reside at the phone number calling, I have asked repeatedly for them not to call me back and they continue to ignore my requests

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: NY

Complaint narrative:
at XXXX XXXX XXXX XXXX XXXX XXXX XXXX An ATM inside a Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX malfunctioned and failed to dispense cash ( {$700.00} ) while displaying an error. Multiple ATMs at the same branch subsequently failed. I reported the issue immediately on the phone to the customer service while still inside the branch and notified other customers. Citibank reversed a provisional credit claiming no discrepancy found despite the existence of ATM logs and branch camera footage. 

First Dispute id : XXXX and then appealed their decision today and they have me a new id : 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 monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I contacted my student loan servicer to resolve an ongoing issue with my federal student loans. The servicer advised me to escalate the matter to the Department of Education Ombudsman. I attempted to submit an Ombudsman escalation through XXXX on multiple occasions using different devices and browsers. Each time, the system failed to complete the submission and did not generate a case number or confirmation. As a result, I am unable to escalate or resolve my issue despite following the instructions provided. I am requesting assistance due to a system failure preventing escalation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am a high-value small business owner ( $ XXXX annual revenue ). Recently, my husband was diagnosed with XXXX and began XXXX. Due to my role as his primary caregiver, my business spending decreased. I believe ( because I was not given a reason by Amex ) that this triggered an automated Financial Review ( FR ) by American Express.

I communicated via email with Amex for weeks providing them with several documents they requested. They then sent an additional document request ( Form 4506-C ) that failed to provide a written deadline. The email explicitly stated : " It is critical that this information be completed ... within the deadline discussed by the American Express representative. '' On a recorded line, an American Express representative verbally provided a deadline of XX/XX/XXXX. Relying on this agreement, I worked to gather documents while managing my husbands medical treatment. However, American Express breached this verbal agreement and closed my account on XXXX XXXX days before the deadline. 

Following the closure, Amex agents informed me that I had a XXXX window to apply for a new card to " rescue '' my XXXX Membership Rewards points. I attempted to comply, but the system is currently trapped in a logical contradiction : The Advice : " Apply for a new card to save your points. '' The Reality : The application system denies me because of the " previous closure '', the very closure I am currently disputing as a procedural error. 

As of today, XX/XX/XXXX, my XXXX points ( approx. {$2000.00} {$4000.00} in value ) are set to expire at midnight. Because Underwriting and New Applications refuse to manually override the automated denial, I am being forced to redeem these points for low-value retail gift cards under protest solely to prevent the total loss of my business 's earned assets.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
I am disputing a debt being collected by XXXX on behalf of XXXX ( XXXX ). This debt is invalid due to a total breach of contract by the merchant. 

XXXX. Breach of Contract & Ceased Operations : XXXX filed for Chapter 7 bankruptcy and ceased all operations on XX/XX/XXXX. As a result, they unilaterally terminated my " Lifetime Smile Guarantee '' and failed to provide the ongoing orthodontic treatment, medical supervision, and aligner refinements stipulated in our agreement. 

2. Financial Damages & Replacement Services : Because SDC abandoned my treatment mid-process, I was forced to seek emergency orthodontic care from a new provider to prevent dental regression. I have incurred over {$4600.00} in additional out-of-pocket costs for Invisalign treatment to complete the work XXXX failed to perform. I am currently under the care of this new provider. 

3. Violation of the FTC Holder Rule ( 16 C.F.R. 433 ) : Under federal law, specifically the FTC Holder Rule, any holder of a consumer credit contract is subject to all claims and defenses that the debtor could assert against the seller. Since XXXX breached the contract by failing to provide the medical services and " Lifetime Guarantee '' I paid for, I have a complete defense against further payment.

4. Failure to Resolve : I attempted to resolve this directly with XXXX and the collection agency on XX/XX/XXXX, explaining that the services were never received. My communication was ignored, and the company continues to report this invalid debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a My Best Buy Credit Card on XX/XX/year>. In XX/XX/year>, I completed an in-store upgrade purchase totaling {$2500.00} ( before tax ). At the time of purchase, I was informed in store that a 20 % promotional reward applied and was advised to contact customer service for a manual adjustment because the system did not apply it automatically. 

After the purchase, I contacted Best Buy customer service multiple times. My case was escalated and documented under case ID XXXX, and I was repeatedly told that the issue was under review and that I would receive a response within XXXX hours. No response was provided within that timeframe. 

Over subsequent contacts, Best Buy provided inconsistent explanations for denying the promotion, including references to card opening date, return of a prior purchase, and promotion window. These terms were not clearly disclosed at the time of purchase, nor was any written confirmation or transcript of the escalation or supervisor review provided upon request. 

I relied on the in-store representation when deciding to complete the upgrade purchase. I am disputing the failure to honor the promotional reward as presented, as well as the lack of clear disclosure and timely, documented follow-up.

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 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The company has reported this debt to the IRS as a canceled debt via the 1099C, which is considered income to me.

The law clearly states a company can not do both. I sent in documentation showing both processes is currently happening against me, and effecting me very negatively on my credit report. 
The credit bureaus have not sent me documentation stating why this company is still allowed to report this double negative activity to go on.

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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Company has reported a balance on an account that I have never opened. I do not owe this company. I have never signed any contract for services or financial gain with this company.

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 2026-01-08 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am submitting this complaint due to SoFis failure to safeguard, transparently account for, or promptly return my cryptocurrency funds, as well as the unjustified restriction of my bankingservices. Despite full cooperation with SoFis security and identity verification procedures, SoFi canceled a confirmed XXXX transaction without explanation and has failed to disclose the locationor disposition of my assets. 
Detailed Timeline : XX/XX/year> : A Bitcoin transfer totaling approximately {$8500.00} was successfully receivedand fully confirmed on the blockchain and reflected in my SoFi crypto wallet.

Following confirmation, SoFi initiated a series of enhanced security and identity verification procedures involving XXXX separate internal security reviews. 
I fully complied with all requests and successfully passed each verification. XXXX separate liverepresentatives explicitly confirmed that the transaction was valid, compliant, and expected to finalize within XXXX hours. 
Within approximately XXXX hours of completing the final verification, SoFi unilaterally canceled the transaction without advance notice, justification, or written explanation. 
SoFi has refused or failed to provide a destination wallet address, transaction hash, or any XXXX  record demonstrating where the XXXX was sent or how it was handledpost-cancellation. 
From XX/XX/XXXX onward, I have contacted SoFi almost daily via phone, chat, and email.Responses have been non-specific, repetitive, and dismissive, frequently stating that the issue is under review with no timeframe or accountability.Related Banking Account Issues : SoFi disabled my XXXX access, asserting an inability to verify my identity, despite my long-standing account history and recent completion of multiple identity verifications. 
Requests to escalate the matter to supervisory or managerial staff were denied or delayed, including claims that supervisors were unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
One agency reported a debt that has not been verified as my debt. Then Credit Systems Intl IN, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX reported the same debt again on XX/XX/year>. The debt that Credit System Int ' l reported was disputed by me, and subsequently removed by XXXX. Credit Systems Int ' l retaliated and flagged my account after the debt was removed essentially reporting the debt again and creating duplicate entries for the same debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I experienced a complete and unexpected freeze of all my bank accounts ( checking, savings, debit, and online access ) after reporting and cooperating in a suspected fraud situation involving third-party XXXX transactions XXXX 

I paid a XXXX XXXX for services that were never rendered. After repeated no-shows and lack of communication, I requested refunds and reported the situation to my bank in good faith. In addition, the XXXX XXXXXXXX had previously instructed third parties to send XXXX payments to my account, which I then forwarded to the XXXX. XXXX of those third parties later disputed a XXXX transaction. 

Despite my proactive cooperation, transparency, and willingness to assist with the investigation, my bank froze all of my accounts without warning and informed me they are terminating the banking relationship. I was told the investigation would take several weeks and that no funds would be released during this time, including money needed for basic living expenses. 

The bank refused to provide meaningful information about the disputed transaction, including identifying details of the dispute, reference numbers I could access, or any alternative resolution. I was repeatedly asked to provide information I do not have access to due to the account freeze itself. 

As a result, I have been left without access to my own money, debit card, or savings while continuing to work and meet essential needs such as transportation and gas. I believe I am being unfairly penalized for reporting suspected fraud and attempting to do the right thing. Due to the account restrictions imposed by the bank, I no longer have access to my account numbers, transaction history, or online statements, which has made it impossible to provide information the bank continues to request. 
Due to the account restrictions imposed by the bank, I no longer have access to my account numbers, transaction history, or online statements, which has made it impossible to provide information the bank continues to request.

Company response to consumer: Closed with non-monetary relief