vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding a debt that your company has reported on my credit file. According to my credit report, the account shows a balance of {$160.00}. However, when I contacted your office to request verification of this debt, I was transferred multiple times between representatives and no one was able to properly verify the debt or explain the amount being reported. During the call, I was also told a different balance amount than what appears on my credit report XXXX XXXX, which raises concerns regarding the accuracy of the information being reported. Additionally, the representative was able to pull up my account without requesting verification of my Social Security number or other identifying information, which is concerning from a privacy and security standpoint. I would also like to note that - I never received any prior communication, notice, or validation letter from your company or the original creditor before this account was added to my credit report. I was not given the opportunity to review or dispute the alleged debt prior to it being reported. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to receive proper XXXX XXXX debt validation and accurate reporting XXXX XXXX At this time, your company has failed to provide sufficient documentation showing : The name of the original creditor The original amount of the debt A breakdown of the balance currently being reported Documentation proving that I am legally responsible for this debt Due to the lack of prior notice, inconsistent balance information, and failure to verify the debt when requested, I am formally requesting the following : 1. Written verification of the alleged debt from the original creditor. 2. A detailed breakdown of the balance being reported. 3. Documentation proving that this debt belongs to me. 4. Confirmation that the information being reported to the credit bureaus is accurate. If your company is unable to provide proper verification, I request that this account be XXXX XXXX immediately removed from my credit report XXXX XXXX. Requesting 30 days of receipt of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
CONSUMER ADJ is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJ 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 2026-03-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-03-11 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: MOHELA
State: MD

Complaint narrative:
Subject : Request for Refund Recalculation XXXX XXXX XXXX Settlement I received a borrower defense discharge under the XXXX XXXX XXXX settlement. After reviewing my refund, I believe the amount issued does not reflect the full amount of payments made toward my eligible federal student loans. I respectfully request a full review of my payment history and refund calculation. Supporting documentation is attached. Your case number XXXX and XXXX Loan servicer : XXXX Payment evidence

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am formally disputing an alleged debt reported by XXXX that was later sent to collections. I believe this debt is inaccurate and resulted from billing errors after my lines were transferred to another carrier. Below is a summary of the relevant timeline and actions taken. Timeline and Events XXXX XX/XX/year> : I visited the XXXX retail store located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX During this visit, I requested assistance from store staff to cancel my XXXX account and transfer my two primary phone lines to XXXX XXXX XXXX XXXX The staff member assisted me in the store and contacted XXXX support by phone while I was present. XX/XX/year> : The two primary lines were successfully transferred to XXXX XXXX XXXX. After the transfer, those numbers became active on the XXXX XXXX XXXX network. After the transfer : I began receiving charges from XXXX for accounts that should have been canceled, including charges related to the two main lines that had already been transferred to XXXX XXXX XXXX XXXX Because the billing appeared incorrect, I returned to the same XXXX store to request additional support and clarification. I explained that the accounts should have been closed and that the lines had already been transferred to XXXX XXXX XXXX. I later requested itemization and details of the alleged balance, as the charges appeared inconsistent with the services that were active. Reason for Dispute I dispute this debt because : The two main lines were transferred to XXXX XXXX XXXX, and therefore should not have continued generating charges with XXXX Additional lines or services that remained active appear to be the result of a failure to properly cancel the account during the original in-store request. Charges were applied after service was no longer being used through XXXX I made good faith efforts in person at the retail store to cancel the account and resolve the issue. I would also like to note that XXXX is not my first language, and I relied on the assistance of the XXXX store staff to communicate with customer support and process the cancellation request. Amount in Dispute The alleged debt being reported is less than {$500.00}. Requested Resolution I am requesting the following : Full validation of the alleged debt, including itemized billing statements showing how the balance was calculated. Documentation confirming what services remained active after the lines were transferred to XXXX XXXX XXXX. Evidence that I authorized any continued service after the number transfer. Correction of any billing errors related to the transferred lines. Removal of the collection account from all credit reporting agencies if the debt can not be properly validated. Until proper documentation is provided, I dispute the validity of this debt and request that the account be marked as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: DC

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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
We recently received written notice that TD Bank intends to close all of our accounts, including business accounts, credit cards and loans by the end of XXXX. Our Banking relationship with TD Bank dates back to XXXX, and throughout this time all transactions conducted through our accounts have been lawful and legitimate. Despite our long-standing relationship and cooperation, the bank has repeatedly questioned and scrutinized routine deposits and withdrawals. Each time we were asked for clarification or documentation, we provided the requested information and fully substantiated the source of all funds. However, no one at TD Bank has been a clear explantation for the decision to terminate our accounts. We have attempted multiple times to obtain answers, but we have been told the decision was made by a " back office '' department that is not accessible to us and that no further explanation will be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I havFinancial e serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX BANKRUPTCY XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
Based off Information I received from Affirm a Savings ( Money Account ) was opened in 2023. I never got a email stating a deadline to put money in there now that Im trying to reopen another it wont allow me to do that. This is not good customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address the persisting errors and mistakes on my credit report, as highlighted in the updated report you provided in response to my previous dispute letter. It is disheartening to discover that despite my thorough review of the updated report, unauthorized inquiries still persist. As per the Fair Credit Reporting Act, it is your legal obligation to ensure that the information reported is accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Validation of Debt Request - SUNRISE CREDIT SERVICE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that cre ated the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX, I received a credit alert that a company reported me as 30 day late. I knew that must have been an error because I have never been late on a credit card and typically pay all bills way before the deadline. They informed me that it was Capitol One. I immediately called them, in tears, asking why they reported me late. After she looked in to the account, she stated Oh I see what happened, you made several payments. You made a payment for {$60.00} for that month. But a day later, you came back and made a {$100.00} payment. You paid way more than required. Unfortunately, the statement date had just closed so the computer didnt realize you were paying your payment for the next month. Let me see if we can fix that now. After an hour of me on the phone, they came back and stated that the computer will not allow them to apply the payment correctly. She then pleaded my case with her manager and that took another hour. The supervisor then came on the lineapologizing and feeling horrible that this happened and that they can not change it. I filed a complaint with company. Please ask the company to fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: FL

Complaint narrative:
I am filing this complaint regarding unauthorized charges on my Macys American Express XXXX card account that the company has refused to properly investigate or remove. As of XX/XX/year>, my XXXX card account had a {$0.00} balance and had been fully paid off. Because the account had no balance or activity, I did not routinely review my statements during that time. In early XX/XX/year>, I made a legitimate purchase at a Macys store and charged it to my Macys American Express card. A few days later, when I logged in to make a payment, I noticed a {$30.00} late fee and a minimum payment due of over {$94.00}. This immediately concerned me because I knew my account had previously been paid in full. After reviewing my past statements, I discovered three transactions posted in XX/XX/year> that I did not make and did not authorize : XX/XX/year> XXXX XXXX XXXX {$2500.00} XX/XX/year> XXXX XXXX {$20.00} XX/XX/year> XXXX XXXX {$720.00} These charges appear to be associated with XXXX XXXX XXXX and XXXX XXXX XXXX locations where I did not make purchases or authorize transactions. I immediately contacted American Express / Macys to report the fraud and subsequently filed a police report documenting the unauthorized activity. Despite providing this information and formally disputing the charges, the company denied my fraud claim and continues to hold me responsible for transactions that I did not authorize. I believe the company has failed to conduct a reasonable investigation and has not provided documentation demonstrating that I authorized these transactions. Requested Resolution I respectfully request that the XXXX XXXX Consumer Financial Protection Bureau review this matter and require the company to : Reopen the fraud investigation. Remove all unauthorized charges from my account. Reverse all associated fees and interest charges. Correct my account balance and payment history. Ensure that these disputed charges are not reported negatively to any credit reporting agencies. Additionally, I request that the company provide documentation proving authorization of these transactions, including any receipts, signatures, digital authorization records, or other verification methods. Affirmation I affirm that the information provided in this complaint is true and accurate to the best of my knowledge and that I did not authorize or benefit from the transactions listed above.

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 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2026-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
I am an XXXX XXXX servicemember with a VA home loan serviced by Planet Home Lending. My mortgage is currently in forbearance due to the government shutdown. Despite this status, Planet Home Lending has restricted my access to my online mortgage account because my loan is not current. This restriction prevents me from reviewing my account balance, statements, payment history, and upcoming payment obligations. Denying access to my mortgage account directly impacts my ability to properly manage my loan and make timely payments. In addition, I am unable to access my Form 1098 mortgage interest statement for tax purposes because access to my account portal has been restricted. As a result, I do not have the documentation required to accurately complete my taxes. Furthermore, I have submitted mortgage payments by check and have not received confirmation that the payments were received or how they were applied to my account. Without access to my account or written confirmation of payment application, I have no reliable way to verify the status of my loan. As an XXXX XXXX servicemember with a VA loan, I expect mortgage servicing practices that comply with federal servicing standards and provide reasonable access to account information and required tax documentation. I respectfully request immediate restoration of access to my mortgage account, access to my Form 1098, and written documentation of my current loan balance and payment history.

Company response to consumer: Closed with explanation