vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 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: IL

Complaint narrative:
Complaint Regarding Inadequate Investigation and Failure to Provide Verification To the Consumer Financial Protection Bureau, I am filing this complaint regarding the handling of a credit dispute by Equifax concerning the account listed below. CREDIT FILE : XX/XX/year> Confirmation # XXXX After submitting a formal dispute challenging the accuracy and validity of this account, the credit bureau responded that the account had been verified. However, no documentation or evidence was provided to demonstrate how the information was verified or to prove that the account is accurate and legally attributable to me. This response raises serious concerns regarding compliance with the Fair Credit Reporting Act. Under the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Simply contacting the data furnisher and repeating their response without reviewing supporting documentation does not constitute a reasonable investigation. Despite my request for documentation, the bureau failed to provide any of the following : A copy of the original contract or agreement bearing my signature Account-level documentation establishing that I am responsible for the alleged debt A description of the method of verification used during the investigation The name and contact information of the party who verified the account Instead, the bureau issued a blanket statement claiming the account was verified. This appears to be a superficial investigation that relies solely on automated responses from the furnisher rather than a good-faith review of evidence. If the bureau can not produce documentation demonstrating the accuracy and ownership of this account, the continued reporting of this information may constitute inaccurate reporting in violation of the Fair Credit Reporting Act. I am requesting the following corrective actions : 1. A documented explanation of the method of verification used during the investigation. 2. Copies of all documentation relied upon to verify this account. 3. Immediate deletion of the account from my credit report if proper verification can not be produced. 4. Confirmation that a proper and reasonable reinvestigation has been conducted in compliance with federal law. The continued reporting of unverifiable information is damaging to my credit profile and financial reputation. I request that the CFPB review this matter and require the credit bureau to comply with its obligations under federal consumer protection law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
Subject : Formal Complaint Violation of FDCPA 15 U.S.C. 1692c I am filing this complaint against the following debt collector for violations of the Fair Debt Collection Practices Act ( FDCPA ). Company Name : [ NCB Management Services ] Account Number : [ XXXX ] I am disputing the alleged debt referenced above. This account is currently being reported on my credit report as a collection account. Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, once a consumer notifies a debt collector in writing that they refuse to pay a debt or request that the debt collector cease communication, the collector must cease further communication except to : 1. Advise that collection efforts are being terminated 2. Notify the consumer that specific legal remedies may be invoked Despite my dispute of this account, the company continues to report this alleged debt and has failed to provide proper validation. Additionally, the company has not provided the documentation required under 15 U.S.C. 1692g, including : Original signed contract Chain of assignment showing legal ownership of the debt Complete account payment history Proof of authorization to collect the alleged debt Without this information, the collector can not legally continue reporting or attempting to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Subject : Unauthorized Transfer Account Compromise and Improper Authorization On XX/XX/XXXX, I woke up and discovered that my XXXX account had been accessed without my authorization. My phone was being forced to restart repeatedly due to the unauthorized access, and I had to replace my XXXX in order to regain control of my device. On XX/XX/XXXX, when attempting to pay for my hotel reservation, I discovered a bank transfer of {$410.00} that I did not authorize. I immediately contacted XXXX to confirm whether the transaction was a temporary hold related to my hotel reservation. The XXXX representative informed me that the transaction was not a hold and was instead a bank transfer to XXXX XXXX. While I do have an account with XXXX XXXX, I informed XXXX that I could not access the account because whoever accessed my XXXX account also gained access to my XXXX XXXX account and changed my login information. I filed a case with XXXX XXXX regarding the unauthorized access and can provide the case number for verification. During my call with XXXX, I clearly stated that I did not authorize the {$410.00} transfer and requested that the transaction be stopped. XXXX informed me the investigation could take up to 10 days. However, shortly after reporting the unauthorized transaction, XXXX suspended my account but still allowed the transfer to be completed. For the past four days, I have continuously contacted and emailed XXXX explaining that the transaction was unauthorized and that my financial accounts were compromised. Despite these repeated reports, the transfer was still processed. This transaction occurred as a direct result of unauthorized access to my accounts. I am requesting that this matter be investigated again and that the {$410.00} unauthorized transfer be refunded. I can provide supporting documentation including : Proof of my XXXX account compromise My case report with XXXX XXXX Records of my communications with XXXX reporting the unauthorized transfer I am requesting a full review of this incident and reimbursement for the unauthorized transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc.
State: HI

Complaint narrative:
Kikoff Lending LLC # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: FIRST CITIZENS BANCSHARES, INC.

Complaint narrative:
I am an American citizen living in the XXXX. I am XXXX, living in a care home, nearly XXXX and suffering from XXXX. I am using my brother 's email address, as I have none of my own and he has power of attorney for me. Last XXXX I wrote to the First Citizens ' Bank in XXXX, XXXX and asked them to close my account and send the contents to me in XXXX. The account closure team have cynically made me jump through many hoops since then, but I still have not received the money. On the XXXX of XXXX, they claimed that they had sent me a check, but none has arrived. I have had to spend over {$250.00} on 'phone calls, postage and a notarization fee. My case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Complaint Type : Debt Collection / Credit Reporting Company : [ IC System Inc ] Account Number : [ XXXX ] Complaint Description I am filing this complaint regarding inaccurate and unlawful reporting of an alleged debt that is currently appearing on my consumer credit file. I have disputed this account and requested verification of the alleged debt ; however, the company continues to report the account and attempt collection without providing proper validation. According to my credit report, the company is reporting a collection account for approximately {$280.00} / {$630.00} without producing competent evidence that the debt is valid or that the company has legal authority to collect it. This conduct violates several federal consumer protection laws. VIOLATION 1 FDCPA Improper Communication 15 U.S.C. 1692c ( c ) I have disputed this alleged debt and requested that the collector cease communication regarding this account until proper validation is provided. Under 15 U.S.C. 1692c, once a consumer notifies a debt collector in writing that the debt is disputed or requests cessation of communication, the collector must stop contacting the consumer except for limited purposes. Despite this notice, the company continues to report the account to credit reporting agencies and pursue collection activity. This constitutes a violation of FDCPA 1692c ( c ). VIOLATION 2 Failure to Validate Debt 15 U.S.C. 1692g The company has failed to provide the documentation required under federal law, including : Original signed agreement Complete account payment history Documentation showing legal ownership of the debt Chain of assignment from the original creditor Witho ut this documentation, the collector can not legally verify or report this alleged debt. VIOLATION 3 False or Misleading Credit Reporting 15 U.S.C. 1692e Reporting an alleged debt to credit reporting agencies without proper validation constitutes a misleading representation of a debt. If the collector can not produce the required documentation, continuing to report this account is a violation of FDCPA 1692e. VIOLATION 4 Unfair Collection Practices 15 U.S.C. 1692f Attempting to collect or report a debt that has not been validated is considered an unfair collection practice under federal law. VIOLATION 5 Reporting Inaccurate Information 15 U.S.C. 1681s-2 ( FCRA ) Under the Fair Credit Reporting Act, furnishers of credit information are prohibited from reporting information that is inaccurate or unverifiable. Because the alleged debt has not been validated, the company can not legally verify the accuracy of the reported 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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: NC

Complaint narrative:
" I am filing this formal complaint against Huntington Bank for violations of Regulation E ( 12 C.F.R. 1005.11 ) and the Electronic Fund Transfer Act ( 15 U.S.C. 1693f ). The bank is refusing to listen to me about not having the proof that was never given to me and is failing in its legal duty to conduct a good-faith investigation into merchant errors. XXXX. XXXX Incident : On XX/XX/XXXX, at XXXX XXXX, the bank allowed a {$400.00} XXXX transaction to go through when it was supposed to be blocked. I only had a small amount in the account, but they allowed it to overdraw anyway, forcing me to use my rent money and my childrens XXXX money to cover a balance I should not have had to in the first place. Under 12 C.F.R. 1005.11, the bank is required to investigate an error even if the consumer lacks a receipt, especially when the merchant failed to provide XXXX. As of XX/XX/XXXX, they have overdrawn my account again, and I will end up getting overdraft fees again because the bank is not willing to actually research or contact me over the dispute because the merchant never gave me a receipt. XXXX. XXXX XXXX : In XX/XX/XXXX ( approx. XX/XX/XXXX to XXXX ), I requested a refund of roughly {$1000.00} from XXXX. At the very start of the process, XXXX stated I would get a refund within XXXX hours. When I tried to follow up on the missing refund, XXXX customer support always ended the chat on me. The bank gave no response regarding the status of this dispute until XX/XX/XXXX or XX/XX/XXXX, making it appear that the merchant waited XXXX months to contest the claim. This communication from the bank only occurred after XXXX XXXX hit my area, knowing my address on file is located in the XXXX of the disaster zone where some of the worst damages occurred. This timing, combined with the fact that the merchants dispute surfaced only after the standard timeframe for XXXX to delete pickup and delivery records had passed, made it highly unlikely I could provide proof. The XXXX driver took the package but never gave me a pickup slip, and because the hurricane hit, I lost everything. Furthermore, XXXX claims they delete all messages after 3 days. They also delete reviews that expose how the merchant steals money by lying about receiving returns. Under 12 C.F.R. 1005.11 ( c ), the bank has a duty to investigate these circumstances regardless of the account status. Huntington Bank is refusing to listen to me about not having the proof that was never given to me and they closed the account out while these funds remain stolen. I request a full reversal of the XXXX charge, a credit for the {$1000.00} XXXX funds, and a refund of all associated overdraft fees. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: GA

Complaint narrative:
In XXXX, an alleged rental debt related to XXXX XXXX in XXXX XXXX, Nevada was sent to collections by IQ Data XXXX , XXXX My spouse and I attempted to resolve the matter directly with the original company but were unable to reach anyone after moving out. The remaining balance they claimed was later placed with IQ Data. When I contacted IQ Data to try to resolve the account, their representatives were rude and unhelpful. Instead of offering resolution options, they increased the collection balance by adding additional fees, closed and reopened the account. The amount reported has continued to increase over time. I formally disputed the debt and requested validation from IQ Data in writing via certified mail. Despite this dispute, the company continues to report the account to the credit bureaus, repeatedly increases the balance, and continues calling me frequently. The account does not appear to be consistently reported as disputed, and the balance being reported appears inaccurate. I am requesting that IQ Data cease collection activity until proper validation is provided, stop increasing the balance, and correct or remove any inaccurate credit reporting related to this account. I have retained additional documentation and evidence related to this matter and can provide it if requested during the review process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
( XX/XX/XXXX ) I have been paying on the XXXX XXXX balance since XX/XX/XXXX the original balance was {$740.00}. As of today, the balance is {$410.00}. I contacted the company ( Collection Bureau Hudson Valley ) that accept the payment on behalf of the XXXX XXXX to settle the account which would be 50 % of the balance and was told the balance is {$480.00} and that XXXX XXXX has not sent any payment updates since XX/XX/XXXX. I contacted XXXX XXXX and was told to have Collection Bureau Hudson Valley contact them to obtain the correct balance so I can settle the debt. I then called Collection Bureau Hudson Valley back and spoke with XXXX XXXX direct line XXXX ) and was told they don't do that I would have to pay 50 % of the {$480.00} and I explained that is not the correct balance and he said there is nothing he can do and ended the call. I then spoke with a manager at XXXX XXXX and to summarize the conversation, she stated Collection Bureau Hudson Valley needed to contact them to get the correct balance. ( XX/XX/XXXX ) I contacted Collection Bureau Hudson Valley to check if the balance was updated or if anything else can be done to settle the debt for the correct amount which is {$200.00} ( since the correct balance is {$410.00} ) and I was told the balance was {$480.00} and that the settlement amount was {$240.00}. I am over this back and forth and now it looks like the balance is Collection Bureau Hudson Valley is growing daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Formal Complaint : Failure to Return Funds for Invalid Account ( Trace ID : XXXX ) On XX/XX/year>, a transfer of {$13000.00} USD was sent to HSBC Bank USA XXXX XXXX XXXX ( Routing : XXXX ). The Facts : Mismatched Information : The transfer included a Taiwanese XXXX account number ( XXXX ), and I explicitly included the XXXX HSBC XXXX XXXX ( XXXX ) in the reference field. This clearly indicates the funds were intended for an international destination, not a domestic US account. Invalid Account : The XXXX account number provided is INVALID for HSBC USAs domestic system and does not exist in your records. The Dispute : My sending bank XXXX XXXX XXXX has initiated multiple Recall requests ( XXXX : XXXX, Partner Reference : XXXX ). However, XXXX officially informed me via email on XX/XX/XXXX that HSBC Bank USA has failed to respond to these multiple requests. Under US banking regulations and ACH/Fedwire rules , HSBC Bank USA is legally obligated to reject and return funds sent to non-existent or invalid accounts. HSBC can not legally hold these funds in a suspense account while ignoring formal recall requests from the originating bank. Request for Resolution : I request HSBC Bank USA to immediately locate the {$13000.00} USD in their suspense/unallocated account and return the full amount to the originating bank ( XXXX XXXX XXXX XXXX so the funds can be credited back to my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I am filing a complaint against Venmo regarding unauthorized electronic transfers and failure to properly investigate fraud. Multiple transactions were processed through my Venmo account without my authorization after my phone and account access were compromised. I reported these transactions promptly. Venmo has failed to properly investigate the unauthorized activity and has refused to issue provisional credit as required under the Electronic Fund Transfer Act ( Regulation E ). Additionally, when I attempt to contact customer support through their chat system, representatives disconnect the conversation once they identify my account. This behavior is preventing me from exercising my consumer protection rights and recovering funds that were transferred fraudulently. I am requesting that Venmo immediately : Reopen and properly investigate the unauthorized transactions. Issue provisional credit while the investigation is pending. Provide written confirmation of the investigation and case number. The total amount in dispute is approximately {$10000.00}

Company response to consumer: Closed with explanation