vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I received 2 letters today from Resurgent Capital Services, XXXX XXXXXX/XX/XXXXXXXX The one letter from this company is saying I owe {$900.00} for XXXXXX/XX/XXXX account ending in XXXX .I never heard of this bank, and this is not my debt The second letter says I owe {$1300.00} for XXXX XXXX 
I dont owe XXXX anything. 
I did some research on this company Resurgent Capital Services, and seen that this is happening to many other people. People who dont owe anything but getting these letters in the mail. This has me stressed out, because I pay all my bills on time, and these debts are not mine. I dont need this added stress. This stuff shouldnt be going on. These people are fraudulent, and should be inXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The late charges continue to escalate only because I refuse to pay the original fee, which was billed in error and should never have been assessed in the first place.

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 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is now claiming they responded to my issues on XX/XX/year>. I did not receive any response on that date by email, phone, secure message, or mail. I checked my inbox, spam folder, postal mail, and online messages, and there is absolutely no communication from Bank of America on XX/XX/year> or anywhere close to that date. 

This means Bank of America is again reporting to the CFPB that they responded, when no response was ever provided to me. This is the same pattern that occurred with their previous claim that they responded on XX/XX/year> which I never received either. 

I am requesting that CFPB take note that Bank of America is repeatedly telling regulators that they sent responses that were never actually delivered to me. These statements are factually incorrect and misleading. 

I respectfully request that CFPB require Bank of America to ( 1 ) provide proof of any response they claim to have sent on XX/XX/year>, and ( 2 ) provide the actual response directly to me in writing through verifiable means such as secure email or confirmed delivery.

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 2025-11-30 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
My American Express gift card was utilized incorrectly. The card was for an immigration company, but I did not utilize it. I first saved it in my XXXX XXXX and then discovered it was used. I opened a case with Amex Gift Card, but it is still being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
I requested validation of an alleged debt from National Credit Systems ( NCS ) on XX/XX/year> ( online ) and again by certified mail on XX/XX/year>. NCS received my letter on XX/XX/year>. NCS has never provided any validation, itemized charges, or documentation from the original creditor. Despite failing to validate, NCS continued reporting this account to XXXX, XXXX, and XXXX. All three credit bureaus marked the account as verified even though NCS never supplied me with proof of the debt. NCS is furnishing information to the credit bureaus without validating the debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB require NCS to : Provide full validation of the alleged debt OR Delete the account from all three credit bureaus. I am also requesting the credit bureaus conduct a real investigation and not rely on unverifiable data. Additionally, the original apartment complex failed to return my security deposit, we had no late or missed payments during three years of tenancy, and NCS has ignored all validation requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Harassing phone calls multiple times a day. Received a letter from XXXX  and in emails, threatening litigation. Ive also received voicemails from representatives stating if I dont call theyll pursue legal action and if I have an attorney they will need to contact them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting a full purge ( complete deletion ) of my XXXX XXXX  tradeline from my TransUnion credit file due to serious inconsistencies between TransUnions internal and external reporting systems. This account is being reported differently within TransUnions own systems, which violates the FCRA requirement for maximum possible accuracy. 

When I view my file through XXXX ( TransUnions internal system ), it shows one 30-day late payment and three 90-day late payments within the past seven years. However, when viewed through IdentityIQ ( which pulls TransUnions external reporting ), there are no late payments at all for this account.

This means TransUnion is maintaining two conflicting versions of the same account : An internal version ( XXXX  ) showing late payments An external version ( XXXX ) showing a clean payment history This discrepancy violates FCRA 602 and 611 ( a ), which require accuracy, consistency, and reliability in consumer reporting. The account is closed, paid, over 10 years old, and was previously in dispute. The internal late codes appear to be residual, corrupted, or legacy data not consistent with the actual reporting.

I also received a TransUnion data breach notification letter stating my personal identifying information was compromised, which further raises concerns about the integrity of my internal file.

Because TransUnion can not maintain a single accurate and consistent record for this account, I am requesting a full purge ( deletion ) of the mortgage tradeline from my TransUnion credit file.

Thank you.

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 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX SSN : XXXX XXXX XX/XX/2025 Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Re : Formal Dispute of Collection Account Resulting from a Data Breach Under 15 U.S.C. 1681i, 1681s-2 ( FCRA ) and 15 U.S.C. 1692e, 1692f, 1692g ( FDCPA ) To Whom It May Concern : I am formally disputing the collection account that appears on my credit file. This account is the result of a data breach, and therefore the reporting is inaccurate, unverified, and invalid. 
Account Name : Collection from Data Breach Account Number : ( Collection Management, XXXX XXXX and etc ) Original Contract, Original Signature, Copy of Security Social Card, and Authorization 1. This debt resulted from a data breach and is fraudulent or unauthorized.

Under the FCRA, you may not report any information unless it is accurate and verifiable.

Since this account was caused by a breach, it is not legally attributable to me, and the furnisher can not provide proper validation.

2. FCRA 15 U.S.C. 1681i requires a reasonable reinvestigation Because I dispute this matter, you must reinvestigate within 30 days.

If the furnisher can not prove : The account belongs to me I legally authorized the charges My personal info was not compromised It must be deleted.

3. FCRA 15 U.S.C. 1681s-2 requires accurate and verified reporting The furnisher is prohibited from reporting : Fraudulent information Unverified information Incomplete or incorrect data If the debt came from a data breach, the furnisher can not verify lawful ownership.

4. FDCPA 15 U.S.C. 1692g Lack of proper debt validation If this debt is held by a collection agency, they must provide proper validation.

Anything resulting from a data breach can not be validated and violates federal law.

5. FDCPA 15 U.S.C. 1692e & 1692f False and unfair reporting Reporting debt caused by a breach is : Deceptive Misleading Unfair My Request I am requesting the following action : Delete the collection account immediately because it is fraudulent or unauthorized due to a data breach and can not be legally validated.

Provide me with an updated copy of my credit report after the investigation is completed. 
I am keeping copies of all correspondence for my records. 
Thank you for your prompt attention to this matter. 
I expect full compliance within 30 days as mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased XXXX round-trip flights from XXXX to XXXX, XXXX through Capital One XXXX XXXX The flights were through XXXX XXXX, operated by XXXX XXXX. I purchased flight disruption assistance for the XXXX flights, XXXX for XXXX XXXX and XXXX for XXXX XXXX XXXX ( my husband and son ). XXXX of the outbound flights was delayed for more than XXXX hours. Based on their terms and conditions, I knew I could call them once they returned from the trip. They arrived back from XXXX last night and XXXX XXXX called them today to claim the flight disruption assistance because my Capital One travel application was telling me to do so. At first, they did not wan na admit that the flight was delayed. After asking them to call XXXX XXXX directly, they confirmed the flight was delayed. They then stated that the flight disruption assistance expired. According to their terms and conditions, I have XXXX hours after the last flight of the booked trip. The flight landed in XXXX  at XXXX XXXX  on XX/XX/year> and I called them at XXXX PM on XX/XX/year>. We spoke with numerous supervisors and they told me they could not transfer me to anyone above them. The flight disruption assistance allows me to request a full refund of the flights purchased, if any portion of the flights was delayed for more than XXXX hours. I did have to pay for the flight disruption assistance, it was not free. The capital one confirmation code for the trip is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XX/XX/year> Experian / XXXX  XXXX TransUnion General Dispute Submission RE : Formal Dispute of Inaccurate Charge-Off Reporting XXXX  XXXX XXXX  ( {$420.00} ) To Whom It May Concern, I am formally disputing the accuracy, completeness, and verifiability of the charge-off reported by XXXX  XXXX XXXX. This account contains multiple violations under the Fair Credit Reporting Act ( FCRA ) and federal IRS reporting standards related to charge-offs. 
1. Missing IRS Form 1099-C Inconsistency in Cancellation Reporting I have never received a 1099-C for this account. When a debt is canceled or otherwise considered uncollectible, creditors are required under IRS regulations to issue a 1099-C if the forgiven amount meets reporting thresholds. The absence of this form raises questions about whether the reported charge-off amount is accurate, legally valid, or properly accounted for. If the debt was internally canceled, it should not continue to be reported as collectible or owed.

2. Inability to Verify the Charge-Off ( FCRA 611 ) I request full verification of all accounting related to the charge-off, including : Full account ledger showing all transactions leading to charge-off Documentation proving the accuracy of the charge-off balance Proof that the debt remains legally owed All billing statements and payment history Records of assignment, sale, or cancellation If the creditor can not provide these documents, Experian/XXXX/TransUnion must delete this account under FCRA 611 ( a ) ( 5 ).

3. Violation of FCRA 607 ( b ) Accuracy & Completeness Any reporting that is inconsistent, unverifiable, or incomplete violates the FCRA requirement that all information furnished must be accurate and not misleading. A charge-off without proper documentation or IRS compliance is unverifiable and must be removed.

DEMAND : I request that this account be deleted if the furnisher can not supply full documentation. Failure to verify requires deletion under FCRA 611 ( a ) ( 5 ).

Please provide written confirmation of the results of the reinvestigation.

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 2025-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: NJ

Complaint narrative:
In response to the solicitation " XXXX to get up to {$750.00} '' Savings account ending XXXX was opened on XXXX/XXXX/XXXX as a " Step 1 ; Open Account ''. 

Step 2 ; make a Deposit within the first 30 days '' was completed on XX/XX/25 with " Qualifying New Money '' Deposited in the amount of {$75000.00} for the " Cash Bonus {$75000.00} or more {$750.00} ''. 
" Step 3 ; Maintain and earn Maintain your balance for 45 additional days from the 30th day after account opening to earn your bonus. '' was completed by XX/XX/25 with the account reported balance of XXXX and the balances of the account during 45-days following ( Maintenance Period ) were XXXX - XXXX. 

on XX/XX/25 {$750.00} bonus was denied!!! No explanation was provided!

Where the term of the promotion specifies 30 days - " Deposit a minimum of {$25000.00} or more in net-new funds * over the first 30-days following account opening ( Deposit Period ). At the end of the Deposit Period, '' AND additional 45 days as " 3.Maintain Balance : Maintain an average daily balance i
n your enrolled Premium Savings Account that meets the Minimum Maintenance Balance of the Deposit Tier you have satisfied in Step 2. The average daily balance calculation will begin from Day 30 of account opening and will end 45-days following ( Maintenance Period ). '' amounts to 75 days total then " Receive Bonus : After the requirements are satisfied, we will deposit the bonus within 30-days following the end of the Maintenance Period. The bonus will correspond the Cash Credit Tier for which you qualify, '' the account must be rewarded {$750.00} bonus for maintaining more than {$75.00}, XXXX unless XXXX plus XXXX isn't equal to XXXX AND " MAINTAIN Balance '' is equal to " The average daily balance CALCULATION '' Where there was EXACTLY 75 days from the Account opening on XXXX/XXXX/1025 and the first withdrawal made on XX/XX/25 as it says " The average daily balance calculation will begin from Day 30 of account opening and will end 45-days following ( Maintenance Period ). '' Unless some days were counted as Day Zero. 
XXXX, with limited Consumer Banking experience is very creative in treating its Retail Banking clients as inferior to its Commercial Investment Customers by giving itself all the leverage not available on Investment Banking

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a formal complaint against Transunion, LLC for Willfully reporting an accurate and legally, non-verifiable information on my credit file in violation of the fair credit reporting act FCRA including but not limited to 15 USC 168e ( b ) 1681i ( a ) and1681n for willful Non-compliance transunion is reported late payments on my close to XXXX  XXXX account ending in XXXX even though I have provided documented proof from XXXX  XXXX showing payments were made statements reflect active billing cycles through the months they claim I did not pay no written notice of delinquency was ever provided. XXXX  XXXX is self corrected. The reporting with the other bureaus XXXX  and XXXX  have already been disputed and corrected under correction Transunion is the only bills the reporting only in accurate information I have supplied full statements, XXXX, XX/XX/year> including clear proof of payments, made XXXX XXXX payments on multiple dates proof of past due fees being charged weeks after the claim is payment, baby proof of statements being billed Proof of interest charges on an active account, which is impossible if the payments were 3060 or 90 days late Transunion Has failed to conduct a reasonable Re-investigation which violates FCI 81681i ( a ) ( 1 ) failure to re-investigate FCRA 1681 AB failure to ensure maximum possible accuracy FCRA 1681 in willful noncompliance subject upon a punitive damages FCRA16810 negligent noncompliance for the Transunion is reporting to an accurate delinquencys on my account at the XXXX  XXXX resolve the dispute with the other bills, which clearly demonstrates malicious and reckless. Disregard for accuracy for you to follow reasonable procedures. for you to update the report will furnish correct it Dano a violation of FCRA 1681S Dash to be I am demanding the following immediate deletion of all in acrylate payments and negative indicators connected to XXXX  XXXX account ending in XXXX correction of the payment history to reflect accurate reporting this is there with the furnace statements written documentation of the reinvestigation results compensation for damages related to willful in accurate reporting and the harm to my credit profile transunion is here by placed on notice if this account is not correct immediately I will be civil and litigation for all violations Under FCRA1681N and 16810. All evidence, including official statement screenshot of the payment confirmation and XXXX comparisons has been uploaded with this complaint

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 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
My XXXX access on my SoFi checking account has been deactivated since early XXXX with no explanation. I contacted SoFi support several times and was told that my access was blocked by an automated system that customer service can not override or escalate. 

To verify the issue, I contacted XXXX directly. XXXX reviewed my information and confirmed that there are no blocks or restrictions on their end. They stated the issue is entirely on SoFis side. XXXX support even transferred me back to SoFi after confirming my account was fine. 

When speaking with SoFi, agents went through all verification steps with me and said again that they can not fix the issue, can not escalate it, and can not provide any explanation for why the automated system blocked my access. I was told there is nothing they can do. 

This has left me unable to use XXXX for over a month, which is an essential feature for receiving and sending payments. I have been unable to make SoFi my primary banking institution because this feature has been disabled without cause and without a path to resolution. 

I have made multiple attempts to resolve this directly with both SoFi and XXXX, and neither has provided a solution.

Company response to consumer: Closed with explanation