vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BOEING EMPLOYEES' CREDIT UNION
State: OR

Complaint narrative:
This has been, without exaggeration, XXXX of the most laughably incompetent experiences Ive ever had with a financial institution. I can get approved for well over {>= $1,000,000} in credit elsewhere without breaking a sweat, yet somehow your organization cant manage to approve a basic credit card. Thats not just ridiculousits downright embarrassing. When XXXX borrowers with excellent credit and a combined income north of {$300000.00} get denied something this simple, it doesnt reflect on XXXX exposes just how broken, outdated, or flat-out clueless your underwriting and decision-making processes are. I joined expecting at least a minimal level of competence and professionalism. Instead, I got unnecessary hoops, XXXX clarity, and a system that feels like it was designed to fail rather than function. Calling this a joke would honestly be giving it too much credit. There are countless institutions that actually understand how to evaluate risk and treat customers properly. You are very clearly not XXXX of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX Dear XXXX, I am writing in response to your [ letter/phone call ] dated [ date ] ; a copy of which is attached for your reference. I do not recognize this debt and am requesting that you provide validation as required by the Fair Debt Collection Practices Act ( FDCPA ), Sections 809 ( b ) [ 15 U.S.C. 1692g ]. As per the FDCPA, I am entitled to request specific information to verify the debt : XXXX. Proof that you own or have been assigned the right to collect this debt : This includes a copy of the original signed loan agreement or credit card application demonstrating your legal right to collect the debt in question. XXXX. Detailed debt accounting : This should include a complete breakdown of the debt amount, including any fees or interest. XXXX. Verification of the original creditor : This document provides the name and address of the original creditor and clarifies the current balance owed. XXXX. Paperwork proving that the statute of limitations has not expired : If the statute of limitations has expired on this debt, you can not legally collect or report it. Please provide a detailed explanation confirming that this debt is within the statute of limitations. Additionally, until you provide this verification under Section 809 ( b ) of the FDCPA, you must cease collection activities. Consequently, you must not report this debt to any credit reporting agencies until you have fulfilled my validation request. Reporting any unverifiable debt can be seen as a violation under the Fair Credit Reporting Act ( FCRA ), and I reserve the right to take appropriate legal action should that occur. Please treat this letter as a formal dispute under Section 611 [ 15 U.S.C. 1681i ] of the CRA and ensure all items are corrected with any applicable credit reporting agencies until satisfactory validation is provided. XXXX kindly request that you respond in writing within 30 days of receiving this letter. If you can not validate this debt, please confirm in writing that you have ceased collection efforts and informed the credit reporting agencies of the correction. Thank you for your attention to this matter.

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am filing a new complaint regarding PayPals handling of inaccurate personal data and its impact on my ability to conduct financial transactions. In a prior complaint, PayPal stated that my account was permanently limited due in part to a mismatch between the Social Security Number ( SSN ) on my account and the SSN on documents I provided. I submitted valid government-issued identification, including my Social Security card , passport, and drivers license. If PayPals records contain an SSN that does not match my actual SSN, then PayPal is maintaining inaccurate personal identifying information. I have not been given any opportunity to correct or verify this discrepancy. Additionally, PayPal has stated that I should still be able to transact with merchants. This is not accurate. I recently attempted to complete a transaction using a credit card through a PayPal-processed checkout. Multiple valid credit cards were declined. The same card was successfully processed when entered manually outside of PayPals system. This demonstrates that PayPal is restricting transactions at the payment processing level tied to my identity, even when I am not using a PayPal account directly. This complaint is specifically regarding : XXXX. Maintenance of inaccurate personal data ( SSN mismatch ) XXXX. Lack of ability to correct that data XXXX. Interference with lawful financial transactions beyond the PayPal platform I am requesting a review of the accuracy of the personal data PayPal maintains and correction of any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made a purchase of roughly {$770.00} at XXXX XXXX furniture in XX/XX/year> through Synchrony Bank ( Synchrony Home, specifically ). At the time, ONLY two promotional terms were available : XXXX or 48 months no interest. After a few months, I noticed my statements saying I was charged interest. I reached out to them about this issue and was told I would not be charged any more interest. However, after taking a look recently and noticing the math on my payments not adding up, I realized that I am indeed still being charged interest. I reached out to them again today and was told that the purchase wasn't placed on any kind of promotional plan. However, like I said, it HAD to have been. There was no way to make a " normal '' purchase at that store without it being on a promotion.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally demand that you immediately stop contacting me regarding the alleged debt you are attempting to collect. I dispute the validity of this debt, and I do not authorize any further calls, letters, emails, or other communication from your company. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, you are legally obligated to comply. Continuing to contact me or report this alleged debt after this notice would be considered a willful violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
On XX/XX/26, a total of XXXX fraudulent transactions were made on my account. I reached out to SoFi bank and filed disputes when these transactions posted. I was given a new card number and physical card to be mailed to me. The were being reviewed and then I got an e-mail stating my account was restricted. Upon calling and speaking to customer service, I was told my account was going yo be closed and they could not tell me why. A few days pass, and my account was unrestricted and restored. But then my claims were denied stating that they were not fraudulent claims. They stated I did not reply to texts from them, I was transferring money before purchases and I was logged in using biometrics. When I put the disputes in with the representatives, I specifically told them I lost my phone in addition to my card. I didnt think my card had been stolen to be used, I was more suspicious of someone hacking my phone to use it. I wasnt in possession of my phone for days until I was able to track and retrieve it with Find My XXXX. When they told me biometrics was used to log in, that actually let me know who stole my phone. I have more than XXXX biometrics log in saved in my phone, so this other person was able to access my account without my permission. I need these claims reopened and reinvestigated because I did not make nor authorize anyone to make these purchases. I would like to see my funds back in my account as soon as possible as this has been long awaited and has been a burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My husband and fathers phones were called today XX/XX/XXXX from XXXX XXXX XXXX requesting that I call them back. I did call back and spoke to 3 different people who threatened me with serving me papers to take me to court and place a lien on my home. All three people hung up on me when I tried to get information. They all have my most recent phone number and address. They are calling my family for the purpose of intimidation and harassment.They all were combative, threatening and extremely rude. They have been harassing me since XX/XX/XXXX using different names for their agencies. They have used the following names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt is from XXXX and is past the statute of limitations. It has been charged off from hsbc credit card. The phone number they called my family from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Account # XXXX To Whom It May Concern, I am disputing the above-referenced account. You reported this collection to my credit report without first providing the required notice of my right to dispute the debt, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I never received any prior communication or disclosure before this account was furnished. This makes your reporting inaccurate, incomplete, and unlawful. I demand immediate deletion of this account from all credit bureaus. If this account is not deleted within 14 days, I will pursue legal action against Credit Collection Services for violations of the FDCPA and FCRA, including statutory damages. All communication must be in writing. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this follow-up complaint because the consumer reporting agency responded to my prior dispute by asserting that the information was verified as accurate, yet failed to provide any supporting documentation or competent evidence to substantiate that determination. This response does not establish that a reasonable reinvestigation was performed in accordance with 15 U.S.C. 1681i. Instead, it suggests reliance on automated or summary responses from furnishers, rather than a thorough and independent evaluation of the underlying account-level data, including payment history, account status, balances, and dates of delinquency. A generalized claim of verification does not meet the standards required under the FCRA. Verification must be supported by reliable, documented evidence confirming the accuracy and completeness of the information reported. The failure to produce such evidence raises serious concerns regarding both the adequacy of the reinvestigation and the continued reporting of the disputed information. This conduct also implicates 15 U.S.C. 1681e ( b ), as the consumer reporting agency continues to report information without demonstrating that it maintains reasonable procedures to ensure maximum possible accuracy. Given the nature of this response, the issue appears to extend beyond an isolated dispute and may indicate broader systemic weaknesses in reinvestigation processes, excessive reliance on automated verification methods, and insufficient internal compliance controls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: IA

Complaint narrative:
Dear Sir/Madam, I am writing to request validation of the debt that you claim I owe formally. Under the Fair Debt Collection Practices Act, I have the right to request this verification. Please provide me with a detailed account of the alleged debt, including : the amount owed, the name of the original creditor, and any supporting documentation that shows I am responsible for this debt. Until I receive this information, I request that you cease all collection activities and reporting to credit bureaus. Please respond to this request in writing within 30 days. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to formally raise a serious concern regarding two levy payments issued from my Capital One account to the XXXX XXXX XXXX XXXX, which remain unaccounted for despite multiple follow-ups. According to my account records, a levy payment in the amount of {$8200.00} was issued on XX/XX/XXXX, and a second levy payment in the amount of {$2500.00} was issued on XX/XX/XXXX. However, the XXXX XXXX XXXX XXXXXXXX has confirmed on several occasions that they have not received either of these payments. In XXXX, I contacted Capital One while on the phone with a representative from the XXXX XXXX XXXX XXXXXXXX in an attempt to resolve this issue collaboratively. During that call, the Capital One representative refused to provide critical information such as the check number, issuance date, or payment amount to the Virginia representative. The interaction was not only unhelpful but also dismissive and unprofessional. I made another attempt to resolve this matter on XX/XX/XXXX, again with a XXXX XXXX representative present. Unfortunately, Capital One once again refused to disclose any details regarding the payments. I was told that the XXXX XXXX XXXX XXXXXXXX could attempt to contact the levy and garnishment department via email, but there was no guarantee of a response. This is completely unacceptable. As a customer, I have the right to know where my money has been sent. If Capital One maintains that these funds were issued, but th e XXXX XXXX XXXX XXXXXXXX has not received them, then there is a clear breakdown that must be addressed immediately. At this point, I am requesting one of the following actions without further delay : 1. Provide full documentation for both levy payments, including check numbers, dates issued, amounts, and proof of delivery or deposit. 2. If proof can not be provided, immediately return the full amounts to my account so that I can remit payment directly to the XXXX XXXX XXXX XXXXXXXX. This situation has caused significant frustration and concern, and I expect a prompt and thorough response. Please treat this matter with the urgency it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On thursday XX/XX/XXXX my father got a credit report done and found multiple instances of identity theft ; fraudulent credit card accounts in his name. He advised my mother and I to also get credit reports to make sure nothing had happened to us. My mother also had multiple instances of identity theft where this person had credit cards in her name. Since then their accounts have been proved to be not belonging to them by the credit companies ( XXXX XXXX, XXXX XXXX, XXXX XXXX, and others ). The following day Friday XX/XX/XXXX I got a piece of mail from XXXX regarding a supposed credit card in my name that I did not apply for or allow anyone to apply for in my name. That was the first piece of mail I had gotten from XXXX and any other credit company. The following day I had a credit report done and found three instances of identity theft all with credit card companies. XXXX XXXX, XXXX, and CitiBank all have credit cards in my name along with 3 other hard inquires and at least 10 soft inquires into credit cards all around the same time of XXXX, XXXX, and XXXX. The revolving accounts accepted by XXXX XXXX, XXXX, and CitiBank total near XXXX XXXX XXXX. Since then XXXX has removed their charges but XXXX XXXX and CitiBank refuse to remove theirs insisting that I am the owner of these revolving accounts. I DID NOT APPLY FOR ANY OF THESE ACCOUNTS NOR DID I GIVE PERMISSION TO ANYONE TO USE MY PERSONAL INFORMATION IN ANY WAY. Since I reported these accounts to the companies I have filled a police report as well as here with the Consumer Financial Protection Bureau. I have had a checkings and savings account with XXXX XXXX XXXX for over 10 years as well as one single credit card with XXXX XXXX XXXX. I spend wisely and pay my bills. It is outrageous to think that anyone when looking at my history would believe that I would apply for multiple credit cards back to back in a short time span, accumulate thousands of dollars of debt, pull out cash advances, and not make a single payment. I also was an over full time XXXX XXXXXXXX XXXX XXXX XXXX so I don't see how these accounts were even accepted. I also don't have the account numbers except for the last 4 because I have received no statements from these places. I REFUSE TO PAY ANY ACCOUNTS THAT DO NOT BELONG TO ME.

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 2026-03-18 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: NC

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 2026-03-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am submitting this complaint as a follow-up regarding XXXX XXXX continued failure to provide properly completed title documentation for a vehicle I fully purchased in XX/XX/XXXX. Since XX/XX/XXXX, I have been unable to transfer title at my local XXXX XXXX XXXXXXXX XXXX due to incomplete and improperly executed documentation provided by XXXX XXXX. The documents sent to me on multiple occasions were rejected because required fields were left blank. In both XX/XX/XXXX and again on XX/XX/XXXX, the XXXX XXXX XXXX XXXX provided written documentation specifying the exact requirements needed to complete the title transfer. I submitted a prior CFPB complaint and received a response from XXXX XXXX stating that documentation had been sent ; however, the documents remained incomplete and were again rejected by the Tax Collector. In response to my prior complaint, XXXX XXXX stated that a written request was required to obtain certain documents. However, I had already requested the required documentation multiple times by phone. Despite this, I submitted a written request by mail, including a formal demand sent on XX/XX/XXXX outlining the deficiencies and the documentation needed. More than three weeks have passed, and I have not received any response or corrected documentation. I have contacted XXXX XXXX XXXX XXXX multiple times and have been provided defective or insufficient documentation on three separate occasions. I have not been provided access to a supervisor or a point of contact who can resolve this matter. As of XX/XX/XXXX, I am still unable to transfer title due to XXXX XXXX failure to provide properly completed and legally sufficient documentation. I am currently attempting to sell my vehicle and am unable to do so as a direct result of this issue. I am requesting that XXXX XXXX provide complete and properly executed title transfer documents that meet Florida requirements so that I may transfer title without further delay.

Company response to consumer: Closed with explanation