vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am formally contesting any inaccurate or undocumented information in my credit report. Unproven claims and unsubstantiated allegations are unacceptable. Report accurately and in compliance with the law. Provide physical evidence or remove false claims. Mail documentation and updated credit report. I express profound disappointment with the presence of false or unverified information in my credit report. Baseless accusations without factual proof are utterly infuriating. Ensure accurate and correct reporting in accordance with the XXXX XXXX standard. Provide physical, verifiable evidence or remove unsupported claims. Mail documentation and updated credit report promptly Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX A XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2026-03-09 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: CITIBANK, N.A.
State: KY

Complaint narrative:
I ordered a jump starter off of XXXX XXXX and it took over 2 weeks to shows delivered and i contacted XXXX XXXX multiple times for item showing delivered when it was missing and they agreed to a refund because i never received it and now their lying to the credit card company saying 'Goods delivered ' 'item not returned ' 'seller didnt reach out for refund ' 'customer didnt follow return/refund policy ' all of this is a lie from XXXX XXXX i did all the right stuff they told me to they even told me that the item was lost in transit even provided me a refund ticket

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 2026-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I have filed a complaint regarding this in the past, and Aidvantage provided you with lies, and my claim was immediately closed. Aidvantage illegally took me out of deferment while my loans are pending under a XXXX XXXX claim. I have been bounced around for months with Aidvantage claiming they would no nothing without Studentaid.gov telling them, with Studentaid.gov saying they have no record to telling Aidvantage to take me out of deferement. I had to fight to get my loans back into a " in school '' status so payments were not due. They currently have " in school '' status, but I will be graduating soon, so I want them placed back into deferment. Especially since they took them out illegally and without being told to do so by Studentaid.gov. I have screenshots of what Studentaid shows. Again StudentAid.gov denies they told Aidvantage to place my loans into payment. They are CURRENTLY in an " XXXX XXXX status '' becuase Aidvantage refused to correct their illegal change to " XXXX XXXX XXXX' status while my loans have an open XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
On XX/XX/year>, I contacted MoneyGram to report that I had fallen victim to a fraudulent scheme regarding transaction XXXX XXXXXXXX. I immediately requested that the transaction be stopped and the funds returned. Despite this timely notification, MoneyGram allowed the funds to be deposited into an account in XXXX. I am filing this complaint because XXXX subsequent investigation and " Final Response '' ( Case XXXX XXXXXXXX ) were inadequate and failed to meet the standards required under the Electronic Fund Transfer Act ( Regulation XXXX ) and the Remittance Rule. MoneyGram provided a boilerplate rejection letter that did not address why their fraud prevention systems failed to flag a high-risk transaction to a known fraud-prone region, nor did they provide any specific evidence regarding the verified identity of the recipient. XXXX refusal to provide a refund or a detailed explanation of their " investigation '' demonstrates a lack of consumer protection. They have effectively facilitated a criminal transfer and closed the case without providing a meaningful resolution. I am requesting that the CFPB intervene to compel MoneyGram to issue a full refund and provide a transparent report on the security failures that allowed this theft to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: NV

Complaint narrative:
Hello I'm XXXX XXXX I'm victim of scam And XXXX never protect people 's money This is not a account takeover issue. It's a XXXX debit card compromise issues I think that's the reason.for debit card compromise I watched some entertaining videos on XXXX. An ads appears in the middle of the video. accident, I clicked on that ad, then they took me to a separate website.There were some interesting adult videos showing, in the middle of the video they asked me to take a premium subscription so they would show the full video.The condition there is that the subscription is free, I just have to add my bank details.There are my personal details and my Gave me XXXX XXXX XXXX info then got me to watch the full video.Since no dollars were deducted from my XXXX at the time, I didn't pay any attention to it.After I finished watching that adult video, I started watching XXXX videos again. The real problem is now two days later, 3 transactions were made from my XXXX bank to XXXX, amount {$99.00}, {$25.00}, XXXX dollar .. I don't have XXXX account and also Household don't have a Moonpay account, so few days later I contacted the XXXX customer service and opened a dispute. few days after opening the dispute, the bank refused to return the dollars and they declined my complaint Now I want to request CFPB please review my case and please Please arrange for my dollars to be returned. I was scammed by a fake website. My XXXX account details XXXX : XXXX Mail XXXX XXXX XXXX XXXX card : XXXX {$99.00} Transaction XXXX {$25.00} Transaction XXXX {$97.00} Transaction XXXX .But yesterday my Cousin says I can file a cfpb complain.thats why I'm now submitted a complain XXXX am request review my case Cfpb why XXXX not refund my money. Why why why I want to know that why there not credit my dollar, my XXXX card is compromised 100 %

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
Validation of Debt Request - XXXX. XXXX XXXX - XXXXXXXX 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 : 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 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 2026-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I contacted the collection agency regarding a {$2000.00} medical debt that recently appeared on my credit report, causing a significant drop in my score ( XXXX points ). During the call, I formally requested a written validation notice as required by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. The representative explicitly stated that the agency " does not provide validation notices '' and claimed they only send information via text message. This is a direct violation of federal law and Regulation F, which mandate that a collector provide a written validation notice ( G-Notice ) containing the original creditors name and a statement of the consumer 's right to dispute the debt within 30 days. When I requested to speak with a supervisor to address this refusal to follow federal notice requirements, I was told a supervisor was unavailable and she would call later. Furthermore, the representative discouraged me from recording the call, despite my legal right to do so under Georgias one-party consent law. I made two attempts to communicate with the agency on XX/XX/year>. During the first call, the agency immediately hung up as soon as they heard my automated XXXX recording prompt ( 'This call is being recorded ' ). During the second call, the agency played their own disclosure stating the call was being recorded for their purposes. However, when I informed the representative that I was also recording the call for my recordsas is my right under Georgia 's one-party consent lawthe representative stated she " can not allow that ' and attempted to obstruct my ability to document the conversation. This behavior, combined with their explicit refusal to provide a written validation notice, demonstrates a bad-faith effort to avoid federal transparency requirements and prevent me from documenting their non-compliance with the FDCPA. By refusing to provide an itemized breakdown of the {$2000.00} charge or a formal notice of my dispute rights, the agency is engaging in deceptive practices and reporting unverified debt. I am requesting that this unverified medical collection be immediately suppressed and deleted from all credit bureaus due to the agency 's failure to comply with mandatory federal disclosure and validation requirements. Under FDCPA 15 U.S.C. 1692d, collectors can not engage in conduct that has the natural consequence of harassing or abusing me. Hanging up on me when I was trying to verify a debt that I was not aware of because they want a record of the call can be seen as a form of evasive harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint against XXXX XXXX XXXX regarding a balance of over XXXX, that has appeared on my credit report. I have never conducted any business with this company, and I believe their reporting of this alleged amount to be inaccurate and misleading. Despite my efforts to resolve this matter, I have faced significant challenges : 1. I mailed repeated requests to XXXX XXXX XXXX throughout last year and again in XX/XX/year>, asking for documentation to validate this alleged debt. Unfortunately, I have received no response to these inquiries. 2. I also reached out to XXXX, XXXX , and XXXX to inform them that it is illegal for XXXX XXXX XXXX to report this amount without providing me with the necessary documentation. Despite this, the information remains on my credit report, further damaging my credit profile. Given these circumstances, I respectfully request that the CFPB investigate this matter. I would like XXXX XXXX XXXX to immediately remove this account from my credit report given they have not been able to verify it is accurate. Thank you for your attention to this issue. I look forward to your prompt response. 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 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Called TJX XXXX on XX/XX/XXXX paid account in full and closed account. Received bill for {$2.00} with an additional {$3.00} added to it. Called XXXX the XXXX and was told that even if I pay this bill now they can not pay the interest between billing cycles. This is entrapment. It appears to be a scam to trap costumers, so they can never pay their bill off. I requested that the interest be calculated so that I did not have to have further contact. They stated that was impossible and there was no one I could contact with this concern. I was informed that I needed to call back after the XXXX to make additional payments.

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 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
I am disputing this alleged debt because the debt collector has failed to provide proper validation of the debt. The company is reporting the account to the credit bureaus but has not provided documentation demonstrating that the debt is valid or that they have legal authority to collect it. Specifically, the collector has not provided : The original signed agreement bearing my signature Documentation showing they purchased or were assigned the debt A complete accounting of the alleged balance Despite the lack of documentation, the company continues reporting the account to credit reporting agencies. Reporting unverified or inaccurate debt may violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692g ). If the company can not provide documentation validating the debt and demonstrating legal ownership of the account, the account should be removed from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Trying to collect a debt that is not own by they company. I requested validation of debt plenty of times certified mail. I have called an they told me to contact a law firm an did not validate the debt at all never verified my identity birthday or etc Never asked my name or any information before assuming I am who they think i am befor i even gave it witch is suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — USDA 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: Rocket Mortgage, LLC
State: LA

Complaint narrative:
I was approved for a trial mortgage modification. One payment was reversed due to a bank processing delay, not because of insufficient funds. I immediately provided documentation showing that the delay was caused by the bank and that funds were available. Despite this, the servicer cancelled my trial modification and refused to reopen or review the modification after I provided proof. After the cancellation, I reapplied for a loan modification. The mortgage company initially sent me a denial letter stating that I did not have sufficient income to qualify. However, they later sent another letter stating that the denial was sent in error and that I was actually denied because my application was submitted too close to the foreclosure sale date. This explanation is confusing and concerning because I have been checking regularly with the sheriffs office regarding the status of my property, and there has been no foreclosure sale date scheduled for my home. I believe my application may not have been properly reviewed and that inconsistent explanations have been provided. This situation has caused significant emotional distress and mental strain for me and my family. I am trying to do everything possible to save my home for myself and my children. I am willing and ready to resume making payments under a reasonable loan modification. Losing my home would cause severe hardship and displacement for my family. I am also concerned that my loss mitigation application may not have been properly evaluated under federal mortgage servicing regulations governing loss mitigation procedures. I respectfully request that my file be reviewed to ensure compliance with all applicable servicing guidelines and that I be given a fair opportunity to obtain a loan modification to prevent foreclosure. I am requesting that my loan modification be fairly reviewed, that the servicer reconsider reopening my modification or allow me to reapply, and that they provide clear and accurate information regarding the status of my account and any foreclosure activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: TN

Complaint narrative:
I never received my sign signature, original contract, or any information about this debt. According to15 USC 1692c you have violated my rights in lawful communications. Please remove this collections off my credit report thank you. The account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I got the solar system through a company called XXXX, which is now out of business, so now we are dealing with their sister company, GOODLEAP. They used trickery by telling us that we would have to pay the electric bill once we got solar panels. I was paying {$300.00} for the panels and a {$300.00} light bill, so I told them the panels weren't working because my light bill was still high. They never fixed whatever the issue is, so I told them that I am paying almost $ XXXX monthly for the panels and electricity, which is unfair. I told them that I would like to get out of the contract, which they breached because those solar panels never worked. They told me that I need to pay them or else they would put a lien on my property. They sent me to the credit bureau, which is unfair, and now it has a negative impact on my credit. I would like to get out of the contract, as they have breached it by not providing the services they claimed they were going to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On the morning of XX/XX/year> discovered that {$1000.00} had been transferred out of my SoFi bank account through an ACH transfer around XXXX XXXX while I was asleep. I did not authorize this transaction and do not know who the money was sent to. I immediately contacted SoFi Bank and filed a dispute regarding the unauthorized transfer. I also filed a police report. SoFi later denied my dispute but did not provide sufficient documentation explaining their investigation or how the transfer was authorized. Because this transaction was not authorized by me, I am requesting that SoFi Bank reopen the investigation and reimburse the {$1000.00} that was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I got a Wells Fargo letter about a checking account that was opened without my knowledge or consent. I confirmed with the institution that this account is legit, and they are investigating it and will freeze it until they have a confirmed that is fraud. When they asked me to verify the phone number on the account, they have a different number associated with the checking account than my phone number.

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