vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 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: VA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information on my TransUnion credit report. Several accounts and inquiries are reporting incorrectly and have not been properly validated as required under the FCRA. 

Charged-Off Personify Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX duplicate reporting ) XXXX XXXX/ XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Personify XX/XX/XXXX XXXX Payment XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX Self XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I canceled a recurring parking service on XX/XX/XXXX before the renewal date. Despite this, the merchant charged my American Express card {$200.00} on XX/XX/XXXX ( they initially charged {$290.00} and later refunded {$99.00}, leaving a total disputed amount of {$200.00} ). I submitted documentation to Amex confirming my cancellation, as well as proof that I used a different parking facility during the disputed period, which shows I did not use the XXXX service after cancellation. 

The merchant claimed I used the service during the XX/XX/XXXX to XX/XX/XXXX period but provided no supporting evidence, such as access logs or timestamps. American Express repeatedly resolved the dispute in the merchants favor, most recently on XX/XX/XXXX, despite the evidence I provided. This dispute has now been ongoing for almost XXXX months, and I was unable to locate a clear way to submit a formal complaint or request escalation through Amex. 

I am requesting that American Express fairly review the evidence I submitted, apply recurring billing cancellation policies correctly, and reverse the {$200.00} charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express Opened a Dispute of a charge on XXXX,. They closed the dispute without investigating and refused to listen to my call recording with all of the details provided. 

American Express refuses to address this and there is not a complaints / consumer relations contact for me. They have also refused to allow me to speak to Onshore dispute reps, customer services is poorly staffed and robotic in nature. 

The Item is dispute is a XXXX XXXX  FROM XXXX!!! XXXX PROMISED REFUND BUT THEY NEVER HONORED IT. 

XXXX XX/XX/year> XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Harassing repeated phone calls. And also threatened to sail ownership to a different company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: DHI Mortgage Company
State: FL

Complaint narrative:
Greetings, Problem # XXXX : I bought a home from XXXX XXXX and prior to closing on a XXXX loan with DHI Mortgage I had put down {$30000.00} on a home to cover all taxes and fees, lowering my escrow, mortgage payment, etc. Looking at my escrow statement a year later, it indicated a projected minimum balance of {$3700.00}, in addition to a required minimum balance of {$910.00} equating to a shortage amount of {$4600.00}. I've been scammed. 

Problem # XXXX : In addition, Unresolved issues that were documented prior warranty expiration : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX, still -XXXX XXXX, still -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - builder needs to XXXX XXXX XXXX even so will not resolve issues, builder responsible -XXXX XXXX- not right- neighbors are not having these issues -vent in the XXXX XXXX in not installed properly - still smell XXXX outside. 
-XXXX XXXX still not sealed properly XXXX XXXX XXXX XXXX still needs to be inspected - XXXX XXXX detected by the XXXX XXXX XXXX  -XXXX XXXX  exposing too much light from the outside -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -front XXXX not XXXX enough to make proper seal. It was attempted to seal by tech but after trying to conduct repair professional claims hes never seen this before

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My son opened a credit card and put me on as an authorized user. He lost his job and isnt paying it, and Citibank cbna is reporting negative to my credit. Ive contacted them before and was told they took me off, they didnt. I tried calling today but I can not talk to an actual person. I dont have card info, or my sons info. Would just like them to stop reporting negative to my credit report, I had nothing to do with this card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Credit Bureau XXXX XXXX XXXX XXXX XXXX for Removal of Inaccurate or Unverified Debt Dear Sir or Madam, I am writing to formally dispute an item listed on my credit report. After reviewing my credit file, I have identified the following account as inaccurate, incomplete, or unverifiable : Creditor Name : Capital One Auto Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount Reported : {$8200.00} I am requesting that you investigate this matter and remove the account from my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). At this time, I do not recognize this debt as valid, and I request that you provide proper verification of the account. 

If the creditor is unable to provide sufficient documentation proving the accuracy and ownership of this debt, I request that the account be deleted from my credit report immediately. 

Please complete your investigation within the required XXXX period and provide written confirmation of the results. 

Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Subject : Formal Complaint against XXXX XXXX XXXX XXXX XXXX, Identity Theft, and Failure to Validate Debt Description of Incident : I am writing to formally complain about XXXX XXXX XXXXXXXX XXXX XXXX XXXX regarding account XXXX, XXXX, XXXX, XXXX, XXXX. I am a survivor of XXXX XXXX, and my personal information was compromised by my XXXX. 

Despite notifying XXXX via email on XX/XX/XXXX, that this debt is disputed and resulted from unauthorized access, they have failed to take corrective action. Specifically : Security Failure : XXXX allowed my XXXX to call in, impersonate me, and change my personal account information. This is a gross violation of data security protocols and has enabled further financial abuse. 

Identity Theft & Coerced Debt : The charges on this account were incurred or modified without my effective consent due to coercion and identity theft. I have notified XXXX of my status as a domestic XXXX victim. 

Failure to Validate : I requested " Proof of Sale '' and a full validation of the debt. XXXX has failed to provide the required documentation to prove they have the legal right to collect this specific debt from me. 

XXXX XXXX Violations : XXXX continues to report this fraudulent/coerced information to the credit bureaus ( XXXX XXXX XXXX ) XXXX being notified of the dispute and the underlying identity theft. 

Actions I Want Taken : Immediate Deletion : Permanent removal of this trade line from all three major credit bureaus ( XXXX XXXX XXXX XXXX ). 

Account Closure & Release : A formal letter from XXXX stating the account is closed, the balance is XXXX, and I am released from all liability. 

Cease and Desist : A permanent halt to all collection activities, including phone calls, letters, and the selling of this debt to any other third party. 

XXXX XXXX : A written explanation of how an unauthorized individual was allowed to bypass security protocols to change my account information. 

Compliance with FCRA Section 605B : I am invoking my right to have information resulting from identity theft blocked from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX. The vehicle was advertised for {$5900.00}, and I paid a {$2600.00} down payment using my debit card which the dealership required an additional {$100.00} fee to use my card instead of cash. However, the financing contract submitted to XXXX XXXX listed the vehicle price as {$9800.00} and included a {$2700.00} service contract and other add-ons I never agreed to. These products were never explained, and my electronic signature and initials were used on documents I was never shown. I believe the dealership forged or misused my signature to inflate the amount financed. Ive filed a complaint with the XXXX Attorney General and am requesting a full investigation into these deceptive practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the charged-off account ( XXXX ) you are reporting and/or attempting to collect. I do NOT acknowledge this debt. Pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I am requesting that you conduct a reasonable investigation and provide written verification of this account, including : The name and address of the original creditor, the date of the alleged charge-off, the complete payment history and itemized accounting of the balance, documentation bearing my wet signature ( not a photo copy ) showing I am legally obligated to pay, proof that your agency has the legal right to collect and report this account, and confirmation that the account is being reported accurately and consistently to all consumer reporting agencies. If you are unable to provide this documentation, you are required under the FCRA to DELETE any inaccurate or unverified information you have furnished to the credit bureaus. During the course of this investigation, you must mark this account as disputed and cease collection activity. Please communicate with me only in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX for failure to properly resolve a documented fraud and for allowing an account to be sent to collections after confirming that I was not liable, in XX/XX/year>, and again on XX/XX/year> - on that call, I was advised that XXXX was well aware of this scam - see link XXXX XXXX XXXX XXXX ) and that the belief is that the scam is perpetrated by bad actors who work for XXXX As part of this fraud, the person calling to request return of the device has order, payment, and other PII of the XXXX customer-victim, which is exactly what I experienced. 

In late XX/XX/year>, I purchased an XXXX XXXX device and initiated service. Shortly after delivery, I received a phone call from an individual impersonating XXXX customer service. The caller had my personal information ( PII ), device details, and payment information, and instructed me to return the device, claiming it had been shipped in error. Believing this to be legitimate I returned the device via XXXX. The device was never activated or used by me. 

While I was on vacation, the device was fraudulently activated without my authorization. Upon discovering this on XX/XX/XXXX, I immediately contacted XXXX. Over the following weeks, I spent more than XXXX hours attempting to resolve the issue and reported that the matter involved criminal fraud and identity theft. A police report was filed. 
In late XXXX, XXXX representatives explicitly informed me that I was not liable for the charges associated with this fraudulent activity. Despite this assurance, I later discovered in XXXX that the account had been sent to a third-party collection agency. 

Sending this account to collections ( {$1000.00} plus months of billing activity ) after acknowledging fraud and denying liability constitutes improper billing and unfair collection practices. This action has caused significant consumer harm, including stress, lost time, and risk to my credit. 

Supporting documentation, including a police report and timeline, is available upon request. 

Many thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute a collection account being reported by XXXX XXXX XXXX under account number XXXX in the amount of {$1600.00}, currently appearing on my Equifax and Experian credit reports. 

This account violates my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) for the following reasons : I was never properly notified of this alleged debt. I never received a validation notice or any prior communication informing me of this collection account. 

I do not recognize this debt, I never signed any contract with XXXX XXXX XXXX, and I never authorized or agreed to any obligation with this company. 

I have disputed this account multiple times directly with the debt collector by sending written dispute and validation requests to the address listed on my credit report : XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX However, all my dispute letters were returned as undeliverable, claiming the address could not be found. This is illogical and unacceptable, as this is the same address being reported to the credit bureaus as the companys official mailing address. 

Because my letters were returned, I was denied the ability to properly dispute and validate this alleged debt, which is a clear violation of my consumer rights. 

Additionally, Equifax and Experian have failed to properly respond to my disputes by providing valid verification or evidence that this account is accurate, complete, and legally mine. 

Due to the lack of proper notification, the failure to validate the debt, the inability to contact the collector at the address they provided, and the continued inaccurate reporting, this account is being reported without legal basis. 

Resolution Requested I respectfully request that this collection account be IMMEDIATELY DELETED from my credit reports with Equifax and Experian, as it can not be validated, is not recognized by me, and has been reported in violation of federal consumer protection laws. 

I am requesting the CFPBs assistance to ensure my rights are enforced and that this inaccurate and harmful account is removed without further delay. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/year> XXXX hour hold time. 
I have XXXX  XXXX a month in unauthorized transactions ongoing for XXXX years. I have the records and XXXX  mappping to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DriveTime
State: NC

Complaint narrative:
Company has called family members demanding that they pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
The number listed for this connector on my credit report is spam. I have never received any notification from them regarding this debt. I was completely unaware of it until it showed up in collections on my credit report. This is not my debt and I would like them to prove their debt because lackthere of will show I am not responsible for this obligation. This has drastically affected my XXXX XXXX. I have tried reporting a dispute on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint & Request for Investigation Failure to Provide Required Debt Validation and Documentation To Whom It May Concern, I am submitting this formal complaint regarding a company attempting to collect an alleged debt from me without providing the legally required documentation under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and other applicable federal regulations. 

A debt collector and/or furnisher has contacted me and/or reported information to the credit bureaus regarding an alleged account. I dispute the validity of this alleged debt in its entirety. Despite my written request for validation, the collector has failed to provide the required documentation and continues collection activity. 

I am requesting that the CFPB investigate this matter and ensure the collector complies with federal law. 

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 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Get a statement saying account was closed due to activities inconsistent with typical customer account usage. I was over my limit but paid off over half and was on the way to pay off the rest. I have been a XXXX customer for years and never had an issue in regard to credit cards. The fact those are cards I use all the time and were closed is beyond me I have cards with XXXX, XXXX and XXXX and never have issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
b'On XXXX, I called Santander Consumer customer service to discuss getting caught up on payments. I explained that I was a student and had fallen behind. I made a monthly payment that day of XXXXXXXX. I was advised to stay in communication and to call when I make my payments. I made the next payment on XXXX of XXXXXXXX. I called them back on XXXX to discuss getting caught up, and was advised that my car was charged off on XXXX  due to non-payment. I asked how that was possible, and I had not received any notification. I was advised that they do not send out notifications, and so I had to continue to check my credit report. I asked multiple times to explain how that was possible when I made a payment a month prior, and they stated that I was over XXXX days past due. I stated that charge-offs are usually occur when a consumer has not made a payment in XXXX days. I was advised that they did not have an answer, but it could have been a clerical error, and it could not be reversed. My only option was to pay the balance of XXXX. I asked why my balance was that high. On XXXX was XXXX My payments from XXXX are:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have a charge off, a balance of over XXXX, a repossession, and no offer to reinstate the loan. I was advised that the information on my online account is not accurate. That I am not able to pay the past due to remain in the vehicle because it has been charged off. I requested the charge-off information and was denied. My XXXX statement does not state a charge-off.'

Company response to consumer: Closed with explanation