vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: NV

Complaint narrative:
Im in the PSLF program, I work for XXXX XXXX XXXX. I submitted my XXXX employment verification form, but was never accepted. I called and emailed them, but no solutions. Ive submitted my employment verification forms for the past four years and I had no problem. I worked at the same government agency since I have been verifying my employment. Im missing 12 months towards my PSLF. I never received a formal letter in the mail as to why my employment verification was denied.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that Experian remove and block fraudulent information from my consumer credit report within four business days of receiving this notice. The inaccurate and unauthorized information includes the following : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These fraudulent account have resulted in negative impacts on my credit report. I do not recognize these accounts, nor did I initiate or authorize these transactions. As they are the direct result of identity theft, I demand their immediate removal. Enclosed is a copy of FTC Identity Theft Criminal Complaint # XXXX as further evidence that these fraudulent items must be deleted from my credit file in accordance with my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XXXX I was dealing with this situation it was some unauthorized charges on my card so I had it cancelled. I've been waiting on a physical card since then, multiple times I've had to take off work early to caught the bank because on the trip to work at the gas station I find out my virtual card has cancelled because they have a strict policy about giving loyal customers a physical card at the actual TD bank so I've been suffering asking family members to transfer money I even had to reopen my XXXX account just to have a physical card because my car note and insurance doesn't take virtual card only places like gas station and all groceries stores don't like XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: CA

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: NM

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my XXXX score, causing difficulties in maintaining my financial stability. I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong XXXX score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment. Thank you for your support and cooperation in correcting these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: CA

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 2026-05-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that Equifax remove and block fraudulent information from my consumer credit report within four business days of receiving this notice. The inaccurate and unauthorized information includes the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, AL, XXXX EMPLOYER - XXXX XXXX These fraudulent account have resulted in negative impacts on my credit report. I do not recognize these accounts, nor did I initiate or authorize these transactions. As they are the direct result of identity theft, I demand their immediate removal. Enclosed is a copy of FTC Identity Theft Criminal Complaint # XXXX as further evidence that these fraudulent items must be deleted from my credit file in accordance with my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: NV

Complaint narrative:
This collection company is reaging the date of this debt. The debt did not occur in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a collection account currently being reported on my credit file regarding an alleged apartment debt. Additionally, the account appears to inaccurately list National Credit Systems as the original creditor rather than the original apartment complex or property management company. I request verification and correction of this information pursuant to the Fair Credit Reporting Act. I dispute this account because I did not receive proper notice, validation, or an itemized statement of charges as required under Georgia landlord-tenant law. Georgia law requires landlords to provide an itemized statement of damages and charges within XXXX days after termination of tenancy. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this account. Please verify : * The accuracy of the reported balance * The original lease agreement with my signature * Documentation proving the debt is legally valid and collectible * Proof that proper notice and itemized charges were sent * The date the alleged debt became due * the original delinquency date If the furnisher of this account can not provide proper verification, I request that this account be removed from my credit report immediately. Please mark this account as disputed during the investigation process and provide me with written results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
XX/XX/XXXX I submitted my mortgage payment to Freedom mortgage for the month of XXXX. I didn't realize that I had autopay set up so the payment came out again on XX/XX/XXXX I believe. I called them and asked what's going on they said I had autopay XXXX on and that it could be applied as my XXXX payment. I was fine with that. But then XX/XX/XXXX came around and I had XXXX different transactions on my account in the span of 2 days. And now they're saying my mortgage payment is due XX/XX/XXXX 1

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
To : PayPalXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) ; Federal Trade Commission ( FTC ) Subject : FORMAL DEMAND Unauthorized Transactions and Unlawful Withholding of Funds To Whom It May Concern : I am formally disputing XXXX unauthorized transactions that occurred on my account between XXXX and XX/XX/year>, during a period where my XXXX XXXX was compromised and accounts were accessed without my authorization. XXXX. Unauthorized Transactions ( EFTA/Regulation E ) The following transactions were unauthorized and occurred while my access credentials were compromised by a third party : XX/XX/year> : {$250.00} XX/XX/year> : {$350.00} XX/XX/year> : {$240.00} XX/XX/year> : {$220.00} XX/XX/year> : {$220.00} Total Claim : {$1300.00} Under 12 C.F.R. 1005 ( Regulation E ), these transfers are defined as unauthorized electronic fund transfers. As a victim of XXXX XXXX, I was unable to timely report these due to the loss of all access to my accounts. I request a formal, manual investigation into these transfers. XXXX. Unlawful Account Closure and Withholding of Funds My account was closed without authorization, and approximately {$1500.00} in legitimate earnings are currently being withheld. PayPal/XXXX has failed to provide a valid reason for this hold or a mechanism for me to withdraw these funds, which constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under 15 U.S.C. 45. Withholding a consumer 's funds without due process or notification is a violation of your obligations as a financial service provider. XXXX. Demand for Resolution I demand the following : Production of Records : An itemized statement of the closed account, including the transaction history for the {$1500.00} deposit and the disputed fraud. Restitution : A full refund of the {$1300.00} in unauthorized transactions. Release of Funds : The immediate release of the {$1500.00} balance held in the closed account. If this is not resolved within XXXX days, I will submit this file to the Minnesota Attorney General for violations of state and federal consumer protection statutes. Sincerely, XXXX XXXX To the XXXX Department : I am a victim of XXXX XXXX and account takeover. From XXXX XXXX until current. My contact information was changed by the perpetrator, preventing me from receiving notice of fraudulent activity. I have attached my FTC Identity Theft Affidavit and Police Report. Please treat this as a formal request for a manual review of all unauthorized transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I respectfully disagree with Synchronys conclusion and request that this complaint be reopened. I believe fraudulent transactions remain unresolved on the account ending in XXXX. The transactions I am currently aware of include : * XX/XX/XXXX XXXX * XXXX {$87.00} * XX/XX/XXXX XXXX * XXXX {$87.00} * XX/XX/XXXX XXXX XXXX XXXX XXXX FL {$31.00} * XX/XX/XXXX XXXX XXXX XXXX FL {$9.00} * XX/XX/XXXX XXXX XXXX XXXX XXXX {$31.00} * XX/XX/XXXX XXXX XXXX XXXX FL {$8.00} * XX/XX/XXXX XXXX XXXX XXXX FL {$17.00} XXXX XX/XX/XXXX XXXX XXXX XXXX FL {$12.00} XXXX XX/XX/XXXX XXXX * XXXX {$82.00} * XX/XX/XXXX XXXX * XXXX {$120.00} * XX/XX/XXXX BALANCE TRANSFER xxxx xxxx xxxx XXXX {$1900.00} In addition, I believe there are other unauthorized transactions associated with account ending in XXXX that I can not identify because I do not have access to the account statements. I have repeatedly requested copies of the statements from Synchrony and have been waiting for weeks, but they have not been provided. Without those records, I am unable to fully review the account and determine the full extent of the fraud. I am also submitting a police report from XXXX as additional evidence. During the period in question, I was in XXXX attending a wedding when my cellphone and wallet were stolen. The stolen items included my XXXX card and card information connected to my XXXX account. The attached police report was filed on XX/XX/XXXX, shortly after the theft occurred and before many of the disputed transactions were posted to the account. This documentation supports my position that unauthorized individuals had access to my personal property and financial information during the period in which these transactions occurred. The theft of my phone and cards provides a clear explanation for how unauthorized individuals were able to access my accounts and conduct transactions without my knowledge or authorization. I respectfully request that Synchrony review this evidence and reopen the investigation. I am also requesting that Synchrony provide all account statements and transaction records for account ending in XXXX so that I can identify any additional fraudulent activity that may not yet have been addressed. I have been attempting to resolve this matter for an extended period and simply want the remaining unauthorized charges investigated and removed. I need access to the statements for account ending in XXXX and I need the remaining fraudulent charges refunded. I respectfully ask the CFPB to assist in ensuring that Synchrony conducts a complete review, provides the requested records, and returns the funds associated with all unauthorized transactions. Thank you for your time and consideration.

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Revolut Technologies Inc.
State: OK

Complaint narrative:
I just helped some friends sign up for this app called Revolut, and a couple of them who didnt have XXXX XXXX XXXX abilities on their phone borrowed my phone to do XXXX XXXX on it to meet the requirements. I spoke with the systems XXXX, and it looked through all of the rules and said I didnt break them by having them utilize my device to use XXXX XXXX and meet the campaign requirements. The account owners were the ones that authorized the purchases on their own accounts. I had XXXX friend who completed the bonus with a promised {$150.00} to be delivered to my account. Technically all XXXX completed all of the requirements, but only had XXXX had promised to pay out before the proceeding incident. After speaking to a XXXX agent he said my participation in the campaign is nullified and they said they won't even pay out the {$150.00} for the other person that was shown as completed in the system. I spoke to a XXXX, and she affirmed that decision. All XXXX of my friends were with me in person, I sent a selfie of all of us together with today 's date in a group picture to the company to prove these were new, unique referrals and this was not fraud or abuse in anyway. A XXXX came on and affirmed the initial decision, but will not tell me what rule I broke despite my asking numerous times. The XXXX tried saying XXXX of the referrals didnt pass the verification check, and I know XXXX put her SSN wrong by XXXX digit initially and corrected it which led to the account being verified so that is not true, and the second one showed XXXX steps were completed for the referral bonus and as soon as the XXXX was completed, said it was ineligible as well. There is no legitimate reason for them to be marked as ineligible. These are all flagrant and brazen covers for them to avoid paying the bonus, and I am honestly shocked a company would behave in this way. XXXX XXXX, XXXX XXXX, and XXXX XXXX are the referrals in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that TransUnion remove and block fraudulent information from my consumer credit report within XXXX business days of receiving this notice. The inaccurate and unauthorized information includes the following : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX EMPLOYER - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> These fraudulent account have resulted in negative impacts on my credit report. I do not recognize these accounts, nor did I initiate or authorize these transactions. As they are the direct result of XXXX XXXX I demand their immediate removal. Enclosed is a copy of FTC Identity Theft Criminal Complaint # XXXX as further evidence that these fraudulent items must be deleted from my credit file in accordance with my rights under federal law.

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I sent {$13000.00} to my friend from XXXX ( XXXX ) on XXXX XXXX is XXXXShe only withdraw {$4000.00}, after that, her account was closed by XXXX at Chase. XXXX told me have XXXX to recall. XXXX did it via XXXX, but XXXX replied to XXXX that XXXX is closed. And XXXX and XXXX replied to me to have XXXX contact Them.XXXX did it via XXXX.But XXXX replied to XXXX that have remitter, me to contact XXXX again. XXXX, XXXX is closed by XXXX already, how can she return to me now? XXXX XXXX and XXXX are playing tricks on me again and again, so I can not trust them anymore. I believe that the guys took my money and shared it amongs themselves, I am not a client at Chase, I can not login chase website to complain them, So would CFPB mind sending my complaints to Board of Chase or XXXX XXXX Department at Chase? please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding identity theft that has caused significant emotional and financial harm. I recently discovered that a judgment was filed against me by Portfolio Recovery Associates , LLC, as legal representative of the current assignee of XXXX XXXX XXXX XXXX claiming I owe {$1000.00} ( or any amount ). I emphatically assert that I am NOT the debtor, never authorized this debt, and did not incur it. This situation has been extremely frustrating and distressing. I had no knowledge that my personal information was being used fraudulently until I was confronted with this legal action. The realization that someone was using my identity to incur debts has caused emotional and financial harm. My initial delay in responding was due to being unaware of the proper steps to protect myself. After researching my rights, I am now actively pursuing vacating this judgment and clearing my name. The actions of Portfolio Recovery Associates , LLC, including filing this judgment, violate my rights under federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C.XXXX, XXXX ( b ) ), the Plaintiff and credit reporting agencies failed to verify the debt and accessed my credit without consent. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C.XXXX ), creditors are required to validate debts before taking legal action. I never received proper proof or documentation confirming that I am liable for this debt. The judgment is fraudulent, erroneous, and entirely invalid. Enforcement would cause irreparable financial and emotional harm. I request that the CFPB investigate this matter, hold the responsible parties accountable, and ensure that the judgment is vacated. I am submitting all supporting documentation to substantiate my identity theft claim. I also request confirmation that my personal information is protected and that no further collection or reporting will occur on this fraudulent debt.

Company response to consumer: Closed with non-monetary relief