vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
This complaint is directly connected to complaint XXXX company : United Auto Credit Corp. / United Auto Credit Corporation Complaint Description United Auto Credit Corp. is continuing to furnish false, inaccurate, and misleading information regarding an auto loan account appearing on my credit reports as it updates information. The reported information is internally contradictory, unverifiable, and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Specifically, United Auto Credit reports that I made on-time payments in XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX, yet simultaneously reports a late payment for XX/XX/XXXX. Both statements can not be true at the same time. This contradiction alone demonstrates that the information being furnished is not accurate nor reliable. 

Additionally, the account is reported inconsistently across consumer reporting agencies, including conflicting account statuses ( open vs. closed/charged-off ), differing balances, and inconsistent last payment dates. These discrepancies materially harm my creditworthiness and demonstrate a failure to maintain maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Further, United Auto Credit is publishing multiple company names and addresses. I sent written certified mail correspondence to the address currently listed by the furnisher XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). That mail was returned by the United States Postal Service as Attempted Not Known / Unable to Forward. By providing a non-functional address on its latest update to my credit file, United Auto Credit has interfered with my statutory right to dispute and has failed to maintain accurate furnisher identification as required under 15 U.S.C. 1681s-2 ( a ) ( 7 ).

Despite prior disputes, United Auto Credit has continued to verify this inaccurate information, demonstrating a failure to conduct a reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ).

Violations Asserted 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known or that should be known to be inaccurate 15 U.S.C. 1681s-2 ( a ) ( 2 ) Failure to correct and update inaccurate information 15 U.S.C. 1681s-2 ( a ) ( 7 ) Failure to provide accurate furnisher contact information 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy Supporting Documentation Credit report screenshots showing contradictory payment history, multiple company names and addresses USPS returned mail ( NIXIE label ) showing invalid furnisher address I respectfully request CFPB intervention to compel compliance with federal law. 

Submitted by : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have PayPal and I spoke with customer service several times involving unauthorized transactions gave my last digits of my social security, card number and info and the money I placed onto the card was not refunded, Customer service will often did not assist to the point I would get frustrated and pay pal customer service representative would hang up the phone, there would be times when I had to give them over the phone my full social security and I ask why? I have a regular debit with PayPal and a business account!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am disputing the account XXXX  # XXXX, as I am unaware of this alleged debt and was not given an opportunity to dispute it ; if you believe proper notification was sent, please provide proof of delivery via certified mail with a receipt bearing my signature, and if you are unable to do so, I request that account # XXXX be deleted immediately from my credit report, as failure to comply may result in me taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  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: Closed with explanation
Consumer complaint received 2026-01-01 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: CA

Complaint narrative:
NATCREADJ is falsely reporting on my credit. I have never had any accounts with them. Per my research NATCREADJ 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: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2026-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a purchase in the amount of {$6900.00} using a deferred-interest promotional financing offer issued by Synchrony Bank , described as no interest if paid in full, with a promotional expiration date of XX/XX/XXXX. 

All items associated with the purchase were not delivered until weeks later, and my first payment was not due until XX/XX/XXXX. As a result, interest accrual under the promotion effectively began before meaningful repayment obligations started, and before I had full use of the purchased items. 

At the time the promotion expired, a remaining promotional balance existed. Prior to XX/XX/XXXX, I did not receive any affirmative notification by email, letter, text, alert, or prominent statement notice, advising that the promotion was about to expire, stating the exact payoff amount required to avoid interest, or warning that failure to pay the balance in full would result in retroactive interest being applied from the original purchase date. 

After the expiration date, Synchrony assessed {$2600.00} in deferred ( retroactive ) interest, calculated from the original purchase date. The first time I became aware of the full financial consequence was after the interest had already been charged. 

I contacted Synchrony Bank to dispute the charge and requested that the interest be reviewed and reversed due to the lack of any affirmative or timely notice. Synchrony denied relief, stating that I enrolled in electronic billing, that the information appeared in statements, and that I should have checked those statements. Synchrony also referenced a post-expiration grace period, which was only mentioned after the interest had already been applied. 

I dispute the interest charge because a substantial retroactive finance charge was imposed without effective, timely, or affirmative notice prior to the promotional expiration date, and because the promotional structure did not clearly flag the interest trigger date or payoff amount. This was particularly problematic given that the first payment was due a month after the purchase date and that not all items were delivered, installed, or fully functional in a timely manner, with some requiring repair, replacement, or additional components.

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within 30 days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information please contact me at :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is holding my paycheck I get paid XX/XX/XXXX an today is XX/XX/XXXXstill not in my account I would want an full investigation on whats going on with my funds. An I would also like for them to add additional funds for the wait because the company is not telling me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: MO

Complaint narrative:
For many months i have requested that Eastern Account Systems provide me with some form of documentation to vaildate the debt they say i owe them. I have submitted a dispute with them directly and requested an itemized bill or any documentation they may have. They have said they would reach out and have the documentation sent over. After many months and countless phone calls they still have yet to send me any documentation whatsoever. Despite there refusal to provide me documents, a violation of Credit laws, I have repeated disputed the debt with the credit reporting agencies. After being told by the credit breaus that I need some form of written communication from the debt collector, i again filed a dispute with XXXX directly and after another month of waiting they have decided to instead just hang up on me as soon as I tell them my name. Has happened repeatedly and certainly seems like targeted harassment. Any assistance your guys office could give me would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I disputed a hotel charge from XXXX because the room had a documented XXXX  XXXX. I reported the issue immediately, provided timestamped photos and videos, and left the property because it was unsafe for me and my XXXX. A Chase representative later confirmed that the merchants documentation acknowledged the presence of a XXXX XXXX 

Despite this, Chase closed my dispute as an authorized charge. I never claimed the charge was unauthorized. My dispute was about a health and safety hazard, not a billing error. The merchants receipt of authorization does not address the XXXX XXXX or the unsafe conditions. 

I requested a supervisor review and explained the misclassification, but Chase refused to reclassify or reopen the dispute. They told me to work with the merchant, even though the merchant already responded and acknowledged the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 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: DISCOVER BANK
State: NC

Complaint narrative:
I am filing this complaint against Discover Bank for their repeated failure to conduct a " reasonable investigation '' of a billing error as required by the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. 

On XX/XX/year>, I was charged {$800.00} by " XXXX XXXX XXXX XXXX  '' for HVAC services and a specific UV lamp. The merchant failed to perform the services ( duct cleaning ), caused property damage ( broken HVAC seal ), and installed a materially different, lower-value product than agreed upon. 

I provided Discover with exhaustive evidence ( Case # XXXX ), including : Written Admission of Fault : Text messages from the merchant admitting they left the unit unsealed and " undone. '' Written Agreement to Refund : Multiple messages from the owner, " XXXX XXXX, '' promising a full refund of {$800.00} which was never processed. 

Photographic Proof : Photos showing the ducts were not cleaned and the UV lamp installed was an inferior model. 

Despite XXXX appeals, Discover has sided with the merchant. Discovers refusal to honor the merchants own written agreement to refund the money constitutes a failure to resolve a " Credit Not Processed '' billing error. Furthermore, Discover has ignored the fact that the goods delivered were materially different from those purchased.

I have already paid the {$800.00} to Discover to protect my credit score, but I am legally entitled to a reimbursement. Discover is secondary to the merchant 's fraud by failing to act on clear evidence of non-performance and a broken refund promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I had a Capital One credit card and I have been disputing the amount of charges. I bought some things from a company that came damaged. I provided a Capital One with all of the pictures and correspondence between me and the company. Capital One started the investigation and then closed it saying it wasnt within the timeframe. I continued to dispute the charges and said I wasnt gon na pay for it because all of my items came damaged and it was a large purchase. Ive put a numerous disputes with the credit bureaus and I also put a complaint in with CFPB. Capital One still demanded a payment and requested a payment plan but refused to adjust the amount on my credit card. Capital One also closed my card after this complaint and charged it off. Since Capital One closed my card and I do not have access to any of the documents with the dispute or a way to pay the charged off amount, I am requesting them to remove it from my credit report at a XXXX balance. Capital One also charged me too many late fees. Capital One has deceptive practices that do not give the consumer adequate information on interest rate rates and charge charges and make it nearly impossible to pay it off. I had such a high interest rate and was constantly charged fee fees that made it impossible to pay, especially with them, not doing the charge off. Because of the damaged items I was out a lot of money. The purpose of purchasing these items were to resale as this company allows the reselling of their brand. I did not get to resell the items and they did not charge off the disputed amount. When I went to go make a payment plan, it was unfair because they were not giving me lower payment options. I also dont feel like I am responsible for paying the disputed amounts. Capital one is deceptive in their advertisement and continue to send emails to me saying I pre qualify for a card and Ive been denied numerous times. Now that the company charged off I can not go onto the website and pay because they have taken away my access in a petty retaliatory fashion. The high interest rate rates along with numerous other fees are not consumer, friendly language when reading the terms and conditions, and they are misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: SD

Complaint narrative:
Friday, XX/XX/2025 received a text from portfolio recovery associates stating : Portfolio Recovery Associates, LLC-Litigation Department-Debt Collector : At this time, no attorney has reviewed your account. Save up to 30 % on your debt. See savings offers at XXXX  Txt STOP to stop txts to this #. See important disclosure XXXX I received the same texted yesterday, XX/XX/2025. 

Actions that Im taking are reaching out to consumer finance and filing a complaint. Ive tried to dispute it with no response or resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc.
State: MN

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: TX

Complaint narrative:
NATCREADJ is falsely reporting on my credit. I have never had any accounts with them. Per my research NATCREADJ 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: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation