vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I XXXX Systems did not send me any validation of this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I tried opening a savings and checking account through XXXX but they said someone has account under XXXX with my social security number. I have followed up today XX/XX/year> and they said investigation has been completed and XXXX unable to open an account with sofi but unable to tell me why and if the account under my social securoty number with a different person has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
To Whom It XXXX Concern : I am writing to formally notify you that, under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that your company cease all communication with me regarding the above-referenced alleged debt. 

Effective immediately, you are to stop contacting me by phone, text, email, mail, or any other means. 
The FDCPA allows me to make this request, and once you receive this letter : XXXX. You XXXX only contact me once more to inform me of XXXX of the following : That you will stop all efforts to collect this debt, OR That you intend to take a specific legal action. 
XXXX. Any additional attempts at contact beyond what the law allows will be documented as harassment and violations of the FDCPA. Such violations XXXX result in legal action and financial penalties. 

Please also treat this letter as a notice that I dispute the validity of this debt, unless you provide written verification as required by the FDCPA ( 15 U.S.C. 1692g ). If you believe I owe this debt, you must provide complete written validation, including : The original creditors name The amount of the alleged debt Proof that you have the legal right to collect A full accounting and itemization of amounts claimed Until proper validation is provided, you must halt all collection efforts. 

I request that all future required communications, if any, be conducted only in writing and only by mail to the address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
PayPal ran 2 regular transactions on my cc as a cash advance. My cc then charged XXXX dollars in fees and 30 % interest from the day of purchases. I had to make a payment of over XXXX to stop the interest charges. I contacted the company and they blamed PayPal and stated they have no way to run the transaction as a cash advance. I have been purchasing from this company for years and never had a problem. I even had purchases go through after the problem transaction with no problems. PayPal did not have an answer ask me to upload proof then hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 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: Colony Brands, Inc.
State: DE

Complaint narrative:
I had opened this account back in 2016 made purchases and paid it off. I received an email a couple of weeks ago about some purchases that were made. I reached out to the company to inform them that this was fraudulent and wasnt able to speak with the fraud department. The purchase was unauthorized I didnt make them. The items were sent to a different address. I have never lived out of the state of Delaware.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureaus are currently reporting multiple charge-offs that I have disputed repeatedly, and none of the credit bureaus have provided a single legally required document to validate or verify any of these accounts. The accounts involved include : XXXX XXXX ( {$850.00} ), XXXX XXXX XXXX XXXX ( {$1000.00} ), XXXX XXXX XXXX XXXX ( {$1200.00} ), XXXX  XXXX ( {$1000.00} ), and XXXX XXXX XXXX XXXX ( {$13000.00}, appearing twice ). I have been disputing my own credit reports I am not working with a third party, and I have never claimed identity theft yet all three credit bureaus have repeatedly sent me stall letters claiming the disputes may not have come from me, or telling me to file an identity theft report instead of providing the actual validation required by law. I know my rights, and I know what is legally required to verify a charge-off. To legally verify a charge-off under the FCRA, FDCPA accuracy standards, and Metro-2 reporting guidelines , the credit bureaus must have the original signed contract, the entire account history, the date of first delinquency ( DOFD ), proof of the charge-off calculation, itemized accounting, all statements, proof of legal ownership, chain of title, furnisher investigation records, and the exact Metro-2 status and compliance codes used to classify the account. The credit bureaus have not provided ANY of these documents. Instead, they continue marking these accounts as verified without producing proof, which is a direct violation of FCRA 602 ( maximum accuracy ), FCRA 611 ( a ) ( failure to reinvestigate ), FCRA 623 ( furnishing unverifiable information ), and Metro-2 accuracy standards which prohibit unverifiable furnishing. I have sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and after XXXX rounds of disputes I have still not received one contract, one statement, one DOFD document, or one itemized balance. All I have received are stall letters and automated responses. I am fully aware of the many lawsuits and federal enforcement actions brought against all three credit bureaus for failure to reinvestigate, failure to maintain accuracy, and mishandling consumer data, as well as their well-known data breaches involving consumer information. Do not play with me. The credit bureaus are furnishing unverified, unvalidated, and inaccurate charge-off information, failing to follow federal law, and ignoring the documentation that I am legally entitled to receive. I am filing this CFPB complaint because you are violating the FCRA, Metro-2, and the accuracy standards tied to the FDCPA, and you are continuing to damage my credit with unverified information.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
I recently received two different debt collection notices attempting to collect the same alleged XXXX XXXX XXXX  debt. The first letter was from United Collection Bureau , Inc. dated XX/XX/year>, with a balance of {$5700.00} and reference number XXXX. The second letter came from XXXX XXXX XXXX XXXX dated XX/XX/year>, showing the same alleged balance but with different account details and a different reference number. 

These two collectors are reporting inconsistent, duplicate, and unverified information. I disputed the debt and requested validation, but neither collector has provided any legally required documentation such as a signed agreement, itemized statements, proof of ownership, or a full accounting. Reporting or attempting to collect an unverified debt violates FDCPA 15 U.S.C. 1692g ( b ), and furnishing inaccurate or inconsistent data violates FCRA 609, 611, and 623 ( a ).

Because the debt has not been validated and the information provided is inconsistent and potentially inaccurate, I am requesting CFPB assistance in addressing this issue and stopping any further reporting or collection activity until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed. Applications were made in my name, and these companies pulled my credit without my consent or authorization. I do not recognize these inquiries, I did not apply to these companies, and I absolutely did not grant any permission for them to access my information. This situation is deeply concerning and a clear violation of my rights as a consumer. It is insulting and alarming to experience something like this as a law-abiding individual.

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 2025-11-27 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: GA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance - : XX/XX/XXXXXXXX Balance {$790.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Balance {$380.00} XXXX XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX Balance {$42.00} XXXX XX/XX/year> 2024

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a notification of a hard inquiry on my credit report by XXXX XXXX  for a XXXX  XXXX credit card that was opened today XX/XX/year>. I did not authorize this credit card to be opened and believe my identity had been stolen. I have placed a credit freeze with XXXX, XXXX, and Experian and have installed fraud alerts. I contacted XXXX XXXX  to report the fraudulent opening of this credit card, they have closed the account and have launched an investigation. I have not received a confirmation email detailing to conversation I had with the online team member. No charges were made on the credit card as it was opened one hour before I was able to close it. I'd like to investigate this further as I am worried about this person further using my information for more fraudulent activities.

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 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I bank with Huntington, which I severely regret. I had a client send me a payment through XXXX two days ago. The payment was taken from their account ( they sent me a screenshot with confirmation, including a confirmation number ). 

I have received nothing, and have received XXXX alerts about any kind of payment. 

I have called Huntington 4 times, and every time they claim to have no idea what is going in.

My client has sent the money and it was taken out of their account, yet it magically won't appear in mine.

I have read multiple horror stories online of this happening to other people.

The total is for {$290.00} and I'm happy to send a screenshot that confirms that the payment was sent to my account, even though it's nowhere to be found

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I submitted my orders requesting the company apply the 6 % interest rate from XX/XX/scrub> 2024 to present and adjust the balance appropriately so I can pay off the loan. They told me the military orders was not sufficient and have not made any changes to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a follow-up regarding a dispute I submitted under FCRA 611 ( a ), 607 ( b ), and 623 ( a ) ( 2 ) concerning XXXX closed credit card accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2700.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$62000.00} that continue to report inaccurate late payments inconsistent with my verified payment history. I previously submitted documentation verifying timely payments and account closure, yet the credit bureaus Equifax, Experian, and TransUnion have not corrected the reporting or provided the results of their reinvestigations. The inaccurate information continues to negatively impact my credit, which violates my rights under the FCRA.

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 2025-11-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a follow-up regarding a dispute I submitted under FCRA 611 ( a ), 607 ( b ), and 623 ( a ) ( 2 ) concerning XXXX closed credit card accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2700.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$62000.00} that continue to report inaccurate late payments inconsistent with my verified payment history. I previously submitted documentation verifying timely payments and account closure, yet the credit bureaus Equifax, Experian, and TransUnion have not corrected the reporting or provided the results of their reinvestigations. The inaccurate information continues to negatively impact my credit, which violates my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

INQUIRIES : XXXX XXXX XXXXXX/XX/year>

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 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I found a dispute for my credit report because there was a bankruptcy report it on there. It was a XXXX  XXXX bankruptcy and it was falsely reported. I filed a dispute. and they decided with the bankruptcy company based on false information I found XXXX  XXXX bankruptcy back in XXXX in XXXX. They used that bankruptcy and took that as confirmation that the current one thats being reported each XXXX  XXXX was legit the XXXX  XXXX was never filed with the court me and my ex-husband hired an attorney to consider filing XXXX  XXXX bankruptcy, but before we ever went to court, we decided against it and never went forward with it yet it is being reported on my credit report and they are refusing to remove it when they did their investigation. The did not do a good job. They found the bankruptcy from XXXX which is already dropped off my credit and took that as proof that the one being reported currently is legit. They are two separate things. Please remove the XXXX XXXX bankruptcy off my credit report as I never went through with it.

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 2025-11-27 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this complaint because American Express removed XXXX Membership Rewards points from my account and then charged me back for a redemption I made in good faith, using points that were clearly displayed as available. 

These points appeared in my Membership Rewards balance, and I was not given any notice that they were credited in error or that they belonged to someone else. I redeemed the points because they were shown as legitimately available to me at the time. 

After I redeemed the points, American Express later claimed the points were someone elses, reversed them, and then billed me for the amount of the redemption. I was not provided with clear documentation showing : 1. How these points were mistakenly placed in my account, 2. Whose points they claim these were, 3. Why no notice was given before I redeemed them, and 4. Their contractual basis for charging me after the redemption was already processed.

I believe American Express improperly billed me for their internal error. I acted based on the information displayed in my account and had no way of knowing the points were not mine. 

I am requesting that American Express : Reverse the chargeback and any related fees, Provide a clear explanation of how this occurred, and Correct my account in a fair manner since I redeemed points that were represented as valid. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One customer with multiple accounts ( checking, savings and CDs ). I opened a new, joint savings account online. I opened the account, then added a joint user after confirming via a push notification that I was attempting to add a joint user. The joint user received the invite and registered. All went smoothly. A few hours later, I log in to find ALL my accounts are frozen. I call in, verify my identity and verify that I was aware of the new account and it was intentional and correct. The customer service rep and fraud department refused to unfreeze my accounts unless I gave them a phone number to call the new joint owner and have a 3 way call to verify the joint owner. Logistically, it was impossible as the joint owner was unavailable. This is not part of their documented process and I would not have opened the account had I known. I asked them to close the new account and unfreeze the others and that was also refused. All of my accounts are still frozen. I need the bank to release them.

Company response to consumer: Closed with explanation