vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding unauthorized credit inquiries and inaccurate reporting on my consumer credit files. I am a victim of identity theft and unauthorized access to my credit report. I previously filed a report with the Federal Trade Commission documenting this identity theft. My FTC Report Number is XXXX. After reviewing my credit reports, I discovered multiple hard inquiries and account-related entries that I did not authorize, request, or initiate. These inquiries are associated with various financial institutions, lenders, and auto-related companies. For security purposes, I am referencing any affected accounts using partial identifiers only ( for example : account ending in XXXX XXXX XXXX XXXX XXXX XXXX. These unauthorized inquiries appear across Experian, TransUnion, and Equifax. Many of them are reported inconsistently, with some appearing on only one credit bureau and not others. This inconsistency raises serious concerns about accuracy and compliance with federal law. I have disputed these inquiries with the credit reporting agencies and requested verification, including documentation showing a permissible purpose. However, the credit bureaus have failed to provide any such documentation or proof of my authorization. They have also failed to provide a proper method of verification as required by law. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report if there is a permissible purpose. I did not authorize these inquiries, nor did I initiate any transaction that would justify access to my credit file. Additionally, under 15 U.S.C. 1681i, the credit reporting agencies are required to conduct a reasonable investigation of disputed information. Their failure to properly investigate and remove these unauthorized inquiries is a violation of federal law. Due to these violations, I believe my personal information has been compromised and used without my consent. These unauthorized inquiries have negatively impacted my credit profile and caused harm. LIST OF UNAUTHORIZED INQUIRIES/ ACCOUNTS The following inquiries and/or accounts were accessed or reported without my authorization. These entries do not relate to any transaction initiated by me : Experian : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
My XXXX account was suspended when I was online gambling on XXXX XXXX XXXX. They then aid i needed to verify my account via email but that email has yet to be sent and its going on almost 2 days now. Ive talked to customer service multiple times and they keep telling me they're sending it over to there account specialist team and they're supposed to email me but again that has not taken place after multiple attempts to communicate to them. Again this is my XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home 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: IL

Complaint narrative:
As of XX/XX/year> Phh mortgage/Onity mortgage sent me a 'notice of 'early interventin ' while I am in the middle of an active modification. I called to inquir why are they sending out random letters that causes property inspection fees and threaten forclosure while I am in an active modifiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This is a follow-up complaint regarding XXXX XXXX / Equifax XXXX XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. Accounts Still Inaccurate : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/year>, I contacted MCM regarding a debt. During the chat, the agent used deceptive tactics by claiming my account was in 'pre-legal ' status to pressure me into an immediate payment. When I challenged this, the agent admitted it was a 'human error. ' Furthermore, despite the debt having my name, the agent repeatedly addressed me by an incorrect name ( XXXX ) XXXX causing confusion and showing a lack of professional integrity in their handling of my personal data. I have already filed a dispute through their portal, but I am reporting this FDCPA violation for deceptive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was the victim of a scam involving a PayPal XXXX XXXX barcode. I paid {$490.00} in cash at XXXX XXXX on XX/XX/year>. The barcode was provided by a scammer and linked to their PayPal account. I contacted PayPal immediately, but they refused to investigate, trace, or attempt to freeze the receiving account. I am requesting a formal investigation into the receiving account and any possibility of recovering the funds. I have a receipt and transaction details and am requesting PayPal to take responsibility in reviewing this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt in the amount of amount of {$290.00} account number is XXXX that you claim I owe. I have no knowledge of this debt and have never had any contract or agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide verification of this debt. Please provide the following information : 1. The name of the original creditor. 2. A full itemization of the debt, including all interest, fees, and charges. 3. Documentation showing that I agreed to or am responsible for this debt. 4. Proof that you are legally authorized to collect this debt in my state. 5. A copy of any judgment ( if applicable ). Until this debt is validated, you must cease all collection activities and stop reporting this debt to any credit reporting agency per federal law. Please also note that any attempt to contact me regarding this matter at my place of employment, by phone, or to any third party, is not permitted. This is a formal dispute of the debt. If you continue to report this account to any credit bureau without validating it, you will be in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to take appropriate legal action

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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: OK

Complaint narrative:
Last XXXX chime cost me several XXXX dollars in fees while trying to get money from my account for a car purchase I used their mail a check feature for remainder of payment to be made and they did not send it almost causing me to loose my truck they cut me off of the mail a check option as well as cash a check option and have not been letting me access my money when I need it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MN

Complaint narrative:
I am writing regarding the results of a previous dispute I submitted for the account ( s ) listed below. Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to complete an investigation within 30 days and provide the results to me within 5 business days after the investigation is completed. However, I never received any written notice or results of this investigation. Because I did not receive the required notification, I am requesting that this matter be reinvestigated. Additionally, I am requesting full verification of the account ( s ) in question. Please provide the following : - The method of verification used- The name and contact information of the furnisher of the information - Copies of any documents used to verify the account If you are unable to provide proper verification in accordance with the FCRA, I request that this account be removed from my credit report. Please update me with the results of your investigation and send all correspondence to my correct mailing address on file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: KS

Complaint narrative:
On XX/XX/year> I was paid. On the same date XXXX payments XXXX for XXXX and the other for XXXX was deducted from my account for XXXX bills. On XX/XX/year> I received emails from both debtors that they hadn't received the payment. When I went to the bank and questioned where the money was on XX/XX/year> I was told they had no record of either transaction even though it had been deducted from my account

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 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am disputing a debt being reported and/or collected by Transworld Systems Inc. ( TSI ) in connection with a XXXX XXXX account . This account is inaccurate, disputed, and tied to circumstances that have already been addressed through a formal conciliation process with the Georgia Commission on Equal Opportunity ( GCEO ). I have previously provided documentation including a conciliation agreement and supporting records demonstrating that issues during my tenancy and related identity/account misuse contributed to financial discrepancies and improperly attributed charges. Despite this, TSI and XXXX XXXX continues to report and/or attempt to collect this debt without properly investigating or correcting the information. This conduct violates my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( FCRA 605B ), which requires the blocking of information resulting from identity theft or fraudulent activity upon proper notice. I have submitted supporting documentation, yet the account remains and continues to negatively impact my ability to obtain housing and financial services. Additionally, this matter is connected to broader housing discrimination and hardship circumstances that were formally recognized through a GCEO conciliation agreement. Continued reporting or collection of this debt, despite notice and documentation, is causing ongoing harm and may constitute unfair, deceptive, or abusive acts or practices. I am requesting immediate intervention to ensure compliance with federal law and to prevent further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: OK

Complaint narrative:
Since approximately XX/XX/XXXX, XXXX has been billing my Discover credit card for XXXX parallel concurrent monthly subscriptions under shifting merchant descriptors : " XXXX XXXX '' at $ XXXX and " XXXX XXXX '' at {$24.00} $ XXXX. The attached Discover transaction history shows XXXX charges totaling {$1300.00} across XXXX months. I never knowingly enrolled in either subscription. I have never received policy documentation, welcome materials, claim instructions, or any service of any kind from XXXX. I can not describe what " XXXX '' supposedly covers because XXXX has never disclosed this to me in writing. The charges appear under multiple shifting descriptors : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX The use of multiple descriptors over time obscured the pattern from a consumer reviewing monthly statements. This is not my first cancellation attempt. I previously contacted XXXX by phone in XXXX to cancel all subscriptions associated with my account and disputed that any charges should ever have been made. XXXX partially complied : the XXXX product stopped billing in XX/XX/XXXX with a small partial credit of {$15.00}. However, the XXXX product has continued billing every single month after that prior cancellation request, without authorization, including the most recent charge of {$34.00} on XX/XX/XXXX. XXXX was on actual notice that I did not want any subscriptions on this account, and continued billing of one product after partial compliance suggests either a deliberate retention practice or systemic failure to honor cancellation in full. On XX/XX/XXXX, I called XXXX at XXXX to address the renewed billing. The representative told me the charges originated from an XXXX purchase and that I would have to contact XXXX to cancel, then transferred me without my consent before I could respond. This is factually wrong : XXXX is the merchant of record on my credit card statement and is the only entity with authority to terminate its own recurring billing. I have a recording of this call and can provide it on request ( XXXX is a one-party consent state ). Today I also filed a dispute through Discover 's self-service portal, but the portal required me to enter an " order date '' affirming I had placed an order, which I have not. The form does not provide a clean path for disputing unauthorized recurring charges that were never authorized in the first place, which is why I am bringing this to CFPB. The conduct described raises concerns under the Restore Online Shoppers ' Confidence Act ( ROSCA ) and the FTC 's click-to-cancel rule, particularly XXXXXXXX XXXX practice of deflecting cancellation requests to unrelated third parties and unilaterally transferring customers mid-call before they can complete cancellation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a formal complaint regarding unauthorized access to my safe deposit box and potential negligence by U.S. Bank. At the time of opening and managing my safe deposit box at the XXXX branch, I clearly and repeatedly instructed the banker that no oneincluding my sonwas authorized to access the box independently under any circumstances. I explicitly stated that access should only be granted in my presence. This instruction was consistent with my long-standing banking practice. For over XXXX years, I maintained similar accounts both at other institutions and at U.S. Banks XXXX branch, where my requirement was always clearly documented and followed : no individual access without me present. It appeared that the banker may have misunderstood or incorrectly recorded my instructions at the time the account was set up. However, regardless of any misunderstanding, the bank had a responsibility to properly document authorization and verify access before allowing entry. Despite my clear instructions, U.S. Bank allowed my son to access the safe deposit box independently and remove all contents without my authorization. Additionally, when I requested documentation of the agreement and signature records associated with my safe deposit box, the branch manager did not provide the specific signed agreement or signature card. I was instead given general documents that do not reflect the actual terms and authorization instructions I provided. This raises serious concerns about : Failure to follow explicit customer instructions Improper verification of access authorization Potential negligence in handling safe deposit box security Lack of transparency in providing signed contractual documents I respectfully request : XXXX. A full investigation into how unauthorized access was granted XXXX. Copies of all signed agreements, signature cards, and access logs XXXX. An explanation of the banks verification procedures used in this case XXXX. Appropriate corrective action and accountability This situation has caused significant financial and emotional harm, and I am seeking a fair and thorough resolution.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am submitting this complaint regarding Capital Ones handling of unauthorized electronic fund transfer claims involving my debit card. On XX/XX/2026, I discovered and reported unauthorized ATM withdrawals totaling {$2300.00} ( Claims # XXXX and # XXXX ). I immediately secured my account and reported the matter to Capital One. These transactions were not authorized by me. At the time of the transactions, I did not have possession of my debit card, I did not provide my card to any individual, I did not share or disclose my PIN, and I did not authorize or benefit from these transactions. The transactions were the result of theft, and the matter has been reported to law enforcement. On XX/XX/2026, Capital One denied both claims, stating that the transactions were conducted using a valid card and correct PIN, along with referencing account activity patterns. However, the use of a correct PIN or physical card demonstrates authentication only and does not establish authorization under the Electronic Fund Transfer Act and Regulation E. In XX/XX/2026, I requested reconsideration and was informed that there is no timeframe for re-evaluation once a claim is denied. On XX/XX/2026, I submitted a formal written Notice of Error and request for reinvestigation via both email and mail, clearly stating that I did not have possession of my card and did not authorize the transactions. As of the date of this complaint, more than a reasonable timeframe has passed since my formal notice, and I have not received a meaningful response or confirmation that the matter is being properly reinvestigated. Capital One has not provided any evidence that I authorized these transactions or that I benefited from them. There is no evidence that I authorized these transactions. Additionally, the denial does not reflect a reasonable investigation as required under Regulation E ( 12 CFR 1005.11 ). Capital One has not identified specific evidence supporting authorization, explained how it concluded that I initiated or benefited from the transactions, or provided sufficient detail regarding the investigative steps taken. This constitutes an error under Regulation E.

Company response to consumer: Closed with explanation