vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Alliance, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Report Without Validation Debt to My Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
So on XX/XX/year> I used the app XXXX to send someone I game.with {$140.00} of bitcoin. Immediately after I thought It went through I got an email saying they denied it and am suspending my account. I did nothing wrong I sent them my license and XXXX card. I sent the money another way and I need my XXXX dollars that they won't let me touch because there investigating something. They won't tell me what. I just want my account closed and my money before 5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
RENTRECOVERYSOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research RENTRECOVERYSOLUTIONS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My mortgage servicer failed to pay my property taxes on time, despite being responsible for disbursing these payments from my escrow account. 

The property taxes were due on XX/XX/year>, but were not paid. This has exposed me to potential penalties, interest, and legal consequences through no fault of my own. 

Since discovering the missed payment, I have made multiple attempts to contact the company for an explanation and resolution. I have spent over an hour on hold trying to reach a representative, and when contact is made, I have not been provided with clear answers regarding : Why the taxes were not paid When payment would be made Whether penalties or interest will be covered The lack of communication and accountability is unacceptable. I am requesting a full explanation, confirmation that all taxes will be paid immediately, and assurance that any penalties or fees resulting from this failure will be covered by the mortgage 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 2025-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-12-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express charged me {$29.00} bank return fee on my credit card on XX/XX/XXXX because {$100.00} check was returned by my bank. I checked with the bank ( XXXX XXXX XXXX ) and found out that because of the XXXX holiday ( XX/XX/XXXX ), the bank was closed at XXXX XXXX. I deposited my {$1200.00} check at XXXX XXXX  via ATM, which was not credited until the next 24 hours, resulting in no balance in the account. The bank understood and credited {$35.00} return fee. But {$100.00} check was cleared next business day. 

I called AMEX customer service and explained this situation, and asked to issue {$29.00} credit for the return check. They refused to issue credit even though I have been their customer for 27 years. 

Millions of people get hit with these types of fees from the bank, but they don't have time to complain, and the credit company makes millions from consumers. There must be new bank fee rules in NJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
NCB Management Services ( NCB ) is reporting a collection account in the amount of {$1800.00} ( Acct. XXXX ) on my credit reports without ever providing proper documentation or validation of the alleged debt. I have disputed this account multiple times over several months, both directly and through the credit reporting agencies, yet NCB has failed to provide a single piece of competent evidence to substantiate the accuracy, ownership, or legal enforceability of this debt. Additionally, I never received any written notice or documentation of this debt prior to it being placed on my credit reports, which raises serious concerns regarding federal compliance. Despite the ongoing disputes, NCB continues to furnish this account as accurate, which constitutes improper credit reporting and unlawful collection activity.To date, NCB has failed to provide : Proof of ownership or assignment of the debt An itemized breakdown of the {$1800.00} balance The original agreement or contract allegedly creating the debt Date of first delinquency ( DOFD ) and reporting timeline Copies of any notices allegedly sent to me Evidence of accurate Metro 2 reporting, including dispute indicators Without this documentation, NCB has no lawful basis to continue reporting this account. 
I am preserving all rights to pursue damages under federal law, including : FDCPA statutory damages up to {$1000.00} per action, plus actual damages and attorneys fees FCRA damages, including actual damages and, for willful noncompliance, statutory and punitive damages, plus attorneys fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: GA

Complaint narrative:
I had an account with XXXX XXXXXXXX. I canceled due to very poor service. 
I got new cell service with XXXX. I received an additional bill because I was one day past the cut off date. Because I had automatic withdrawal, the final bill was paid. I received an additional bill every month and am still receiving them.These are not collections but are monthly statement bills.I have called at least 3 times and get knowhere. 
Yesterday ( XX/XX/year> ) I received a collection bill. It was for {$86.00}, so I called and was told the due amount is {$170.00}. How is that even possible? XXXX XXXX is extremely difficult to deal with and so was the collection agency. I simply wanted to explain my issue but they were not receptive.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Securus J Holdings, LLC
State: MN

Complaint narrative:
JPay Video Visit is marketed as a service in the JPay website that enables loved ones to have a secured, monitored video call with an incarcerated individual. In order to schedule an appointment, one needs to pay for the visit in advance, {$3.00} per session. I scheduled an appointment on XX/XX/XXXX, and did not receive any sort of information about the need for installing a third party app, Securus, needing to use a certain browser, XXXX XXXX Five minutes prior to the meeting starting, I was prompted to install an unknown application, Securus, which I did but there was no video call thereafter. I requested troubleshooting tips and a refund since services were not rendered, and searched the JPay website for all pertinent information regarding why the video call did not occur. There was no mention of a preferred browser such as XXXX and insufficient information regarding the required application installation of Securus.

JPay refused to issue any refund or individual assistance for troubleshooting why their own product, Securus, didn't work. I therefore cancelled a second, follow-up session scheduled on XX/XX/XXXX that I assumed would carry over my {$3.00} from the original XX/XX/XXXX session since that service was never rendered. 

I reported these charges as never rendered to my credit card company and was issued refunds through that. I have no intention of attempting to schedule another JPay Video call despite learning from my incarcerated loved one first that maybe XXXX browser avoids the issue ( but no guarantee of that, either ). This issue of charging for services not rendered could readily be mitigated by simply postponing charges until after the monitored video call. I suspect that JPay is deliberately not doing this for undue financial gain and the expedient value of forcing paying customers to help test their software instead of the best practice of hiring people to use and test software prior to rolling it out and charging customers.

That simple fact, along with JPay 's complete inability to provide any individualized assistance for its own buggy software to date is the reason for my concern here. Incarcerated populations are considered vulnerable to scams such as what JPay Video Call is liable to be doing given everything I know about it now. Nobody should use this product as is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a letter from US Bank stating that I had applied for a checking account on XX/XX/year>. I did not open the account and this is fraud. There is a number listed on the letter to call if I did not submit the application. The letter specifically states that I must call if I did NOT open the account, but to do nothing if I did. I did not open the account, so I called the number. Unfortunately the number goes nowhere where I can report this fraud. It goes to their general service phone tree, which does not seem to have any options for this issue. I'm endlessly prompted to enter my account number, which I do not have, because I did not open this account and the letter does not provide the account number. I can only choose options in the phone tree which are not relevant to my issue, and hope that someone can help. Even that's a long shot, because even when calling at XXXX in the morning, I'm told " We are experiencing high call volumes. Try calling at a different time! '' I do not see any way to reach them and actually report the 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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
In early XX/XX/year>, I submitted written disputes to Affirm requesting verification of the accuracy of multiple accounts reporting as charged off on my credit report. I requested confirmation of the date of first delinquency, complete payment history, and how the reported balances were determined. 

Affirm responded by verifying and updating the accounts but did not provide documentation or explain the method of investigation used. The accounts continue to report as charged off with updated balances despite the dispute. 

This indicates that the investigation was not reasonable and did not resolve the disputed reporting. I am concerned that the information being reported is inaccurate or unverifiable and does not comply with the Fair Credit Reporting Act requirements for a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is a follow-up to CFPB Case No. XXXX. Wells Fargo Auto failed to correct materially inaccurate reporting after acknowledging my identity and previously confirming the balance was canceled, account closed, lien released, and no repossession occurred. 
Despite full documentation already provided, Wells Fargo continues reporting a charged-off status, derogatory late/missed payments, and ongoing delinquency - AFTER debt cancellation and portfolio closure. This is knowingly inaccurate, misleading, and a willful violation of : FCRA 1681s-2 ( a ) ( 1 ) ( A ) - furnishing information known to be inaccurate FCRA 1681i - failure to conduct a reasonable reinvestigation FDCPA 807 - false representation of the character/amount of debt Their response ( XX/XX/2025 ) claims they need to confirm identity after receiving and attaching my identifying documents. They closed the case without correcting reporting. This is a stall tactic designed to avoid their statutory duty to correct inaccurate reporting. 
The continued publication of a canceled debt as a current charge-off is reckless and has already caused : - Major credit score suppression - Auto insurance rate increases - Loan denials/credit friction Wells Fargo is knowingly and willfully harming me through false credit data.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
Someone stole my identity and they took out loans thru XXXX XXXX  and XXXX XXXX  in XX/XX/year>. I have made many attempts to get this resolved and XXXX XXXX  has failed to comply with the Fair Credit Reporting Act. I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXXXXXX XXXX and their partner XXXX XXXX. CFPB complaint XXXX XXXX  : XXXX and XXXX XXXX XXXX XXXXXXXX. Those complaints were from XXXX XX/XX/year>. Now fast forward to today, Tuesday, XXXX, I get a call from National Credit Adjustors ( NCA ) and they said they purchased a debt from XXXX XXXX, the same fraudulent loan back in XXXX. XXXX XXXX sold a fraudulent debt to NCA and now NCA is trying to collect {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am XXXX months behind about {$2500.00} they are saying my dead line is today and they can not send me a loss mitigation application and that I can not speak to a supervisor because they are not answering the phone the also told me that the loss mitigation department does not take calls and that my only options are to short sale or for close this is with PHH Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I disputed a transaction with Capital One. They denied my claim twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Issue : Incorrect interest charged/ Deceptive or misleading disclosure of credit terms What happened : On XX/XX/XXXX, I made an instore purchase totaling {$2800.00} using a newly opened Synchrony Bank credit card. I was told at the time of the transaction that my purchase qualified for 36 months interestfree financing, and I relied on that representation. 
I was never informed that the 36month promotion required a minimum purchase of {$3000.00}, and this requirement was not disclosed verbally or in any materials presented to me during the transaction. Had I known I was only {$120.00} short, I would have increased my purchase to meet the requirement.

I first became aware that I was not in a 36month promotion on XX/XX/XXXX, when a 35 % interest charge was assessed after a 12month deferredinterest promotion expiredone that I was never told I was placed into. My billing statement confirms the deferredinterest plan expiring XX/XX/XXXX and an APR of 34.99 %.

Contact with the store and corporate finance : After seeing the unexpected interest charge, I immediately contacted the store where the purchase was made.

The store contacted their corporate finance department, and corporate responded the same day, confirming that they would correct the issue and restore the 36 months interestfree financing based on what I was originally told.

A few hours later, the store called me back and said Synchrony would not fix it because my purchase was {$120.00} short of the {$3000.00} requirement.

This reversal occurred even though the minimum purchase requirement was never disclosed to me at the time of the sale, making the situation not my fault. I relied on the stores representation and was never given the information necessary to qualify for the promotion.

Why this violates TILA : Whether a consumer receives a 36month or 12month promotional planespecially one involving deferred interest at 34.99 % is a material credit term under the Truth in Lending Act ( TILA ) and Regulation Z. Synchrony Bank and its merchant partner were required to clearly disclose : The minimum purchase requirement The actual promotional terms being applied Whether the consumer qualified for the offer Synchrony failed to provide these disclosures before extending credit, resulting in significant and unexpected financial harm.

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