vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have requested XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian , and XXXX XXXX credit bureaus multiple times to provide 1099-C due to written off/charged off accounts, information of selling accounts to debt collectors without my knowledge of the accounts, and the original contracts from each company with a signature to show I owe the debts. Accounts are written off/charged off, but apparently, they are still reported as revolving accounts with past-due amounts when they are written off/charged off, and I do not recognize some of the accounts. It would be fraud under 15 USC 1681e ( b ) / 15 USC 1681 S-2 without proof or providing a tax write-off 1099-C. I also sent multiple letters to each company requesting a 1099-C, along with validation letters from 2025 to the present, indicating that the accounts should be removed from my credit report due to inaccuracies, fraud on their part, and identity theft. I have also reported to the FTC # XXXX due to identity theft in multiple incidents from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, and XXXX Report # XXXX in XXXX, California. I have had my Social Security number, ID, Credit cards, and Bank information stolen in each of these incidents. Please, if anyone can help, because this is affecting my life in all aspects of moving forward. These accounts shall be removed from my credit report. I would greatly appreciate the help. Thank you! These are the Accounts : Collection : XXXX XXXX XXXX Experian Account # XXXX Written off/Charged off Show Past Due : {$690.00} XXXX XXXX Account XXXX XXXX Debit Buyer Show Past Due : {$690.00XXXX XXXX Experian Account # XXXX {$1000.00} Written off/ Charge off Show Past Due : {$950.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Written off/ Charge off Show Past Due : {$950.00} Capital XXXX Experian Account # XXXX {$2500.00} Written off/ Charge off Show Past Due : {$2500.00} XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX {$2500.00} Written off/ Charge off Show Past Due : {$2500.00} XXXX XXXX XXXX Experian Account # XXXX {$630.00} Written off/ Charge off Show Past Due : {$630.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$630.00} Written off/ XXXX XXXX Show Past Due : {$630.00} XXXX XXXX XXXX Experian Account # XXXX {$990.00} Written off/ Charge off Show XXXX XXXX XXXX {$990.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$990.00} Written off/ Charge off Show Past XXXX XXXX {$990.00} XXXXXXXX XXXX Experian Account # XXXX {$20000.00} Written off/ Charge off Show Past Due : {$18000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$20000.00} Written off/ Charge off Show Past Due : {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This debt collector has engaged in unjustifiable and harmful practices prohibited under the Fair Debt Collection Practices Act. They reported and furnished an account that I never knowingly agreed to, signed for, or entered into under any lawful contract. A valid legal agreement requires participation and consent from both parties, and I did not participate in or authorize this alleged obligation. Not only has this caused damage to my credit and financial stability, but it has also created emotional stress, embarrassment, anxiety, and hardship in my daily life. Because of this account reporting, I have suffered difficulties trying to maintain housing, obtain credit, and move forward financially. I feel like my rights as a consumer have been ignored and abused. Furthermore, the collector failed to properly validate this alleged debt and did not follow the required validation procedures under the FDCPA. Despite my disputes and concerns, they continued reporting inaccurate and harmful information. According to the FDCPA, I am entitled to protection from these unlawful collection practices and may be entitled to compensation for the violations committed against me. I demand that this account be removed from my credit file immediately and that all collection activity cease unless proper legal validation can be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I contacted XXXX due to the collection being on my credit. Once I got a representative on the phone I was informed that XXXX no longer has my case since XXXX nor do I owe them. They are vailating my rights according to the FCRA. XXXX never provided proper validation of the accounts that are in dispute including inquires according to the FDCPA 15 USC 1692 g I was never provided a sign affiliated under penalty of XXXX from the furnisher stating that the account Information being provided is 100 % accurate according to law. TransUnion was to conduct a proper investigation to provide the documentation outline 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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I am formally disputing Cash Apps response to my complaint because the company failed to meaningfully address the primary issue raised in my CFPB submission. My complaint was not simply about the underlying XXXX transaction. My complaint specifically concerned contradictory and misleading information repeatedly provided by Cash App representatives during the dispute process. Cash Apps response entirely avoids addressing this issue and instead relies on a generic statement that the matter was previously resolved. Cash App states that no new information has been provided and that no additional action is needed. However, the company failed to explain : * Why multiple representatives provided conflicting information regarding my dispute; * Whether internal communications, chat logs, or call records were reviewed ; * Whether representatives violated company policy by providing inaccurate or misleading information; * What investigative steps were actually taken ; * Why the misinformation itself was not addressed in their response. The companys reply appears to be a template closure rather than a substantive investigation into the conduct I reported. A financial services company handling consumer disputes has a responsibility to provide accurate information to consumers, especially when those statements directly affect a consumers ability to protect their funds and exercise dispute rights. By failing to address the contradictory statements made by its representatives, Cash App has not adequately resolved the concerns raised in my complaint. Their response does not demonstrate that a reasonable investigation occurred. I respectfully request that the CFPB require Cash App to : XXXX. Conduct a substantive review of all communications related to my dispute ; XXXX. Explain why contradictory information was provided ; XXXX. Provide copies or summaries of relevant support communications and investigative findings ; XXXX. Clarify what policies govern representative accuracy and consumer dispute handling ; XXXX. Reevaluate whether the handling of my dispute complied with applicable consumer protection obligations. I also request that Cash App cease issuing generic closure responses that fail to address the actual allegations raised by consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am a small business cardmember who held an American Express XXXX XXXX XXXX XXXX Credit Card for approximately XXXX years. In XX/XX/XXXX, I purchased approximately {$2600.00} in merchandise through XXXX for community distribution during XXXX. The merchandise arrived defective broken, bearing wrong logos, and largely unusable. I immediately disputed the charge through American Expresss formal dispute process and submitted photographs, merchant communications, and written descriptions of the defective goods. American Express denied the dispute based on a {$220.00} merchant offer on a {$2600.00} purchase and required me to ship the defective merchandise back to XXXX at my own expense as a condition of resolution. American Express did not appear to meaningfully address the condition of the goods or the commercial reasonableness of requiring international return shipping. The disputed charge was rebilled to my account in or around XX/XX/XXXX. American Express applied a 29.99 % penalty XXXX. The balance grew from approximately {$6400.00} to {$15000.00} after the dispute denial, rebilling, and ongoing interest and fee accrual, without substantial new purchase activity. I repeatedly disputed the balance, requested an itemized accounting, and requested the dispute investigation file. American Express has not provided a complete itemized balance calculation or the full dispute file. American Express later filed a collection lawsuit against me personally and my small business in the XXXX XXXX of XXXX XXXX, Special Civil Part, XXXX XXXX. I dispute the claimed balance, the adequacy of the investigation, the rebilling, the penalty APR application, and American Expresss claim of personal liability against me individually for a business account. I note that in XX/XX/XXXX, American Express paid {$230.00} XXXX to resolve DOJ allegations concerning small business cardmember practices. My account is a small business account. I am requesting that the CFPB require American Express to provide a complete itemized accounting of the claimed balance, the complete dispute investigation file, an explanation of the standards applied in denying my dispute, and documentation supporting its claim of personal liability. A detailed complaint with specific questions for American Express is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE REPORTED LATE PAYMENTS ARE INACCURATE AND DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE REPORTED LATE PAYMENTS ARE INACCURATE AND DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: CO

Complaint narrative:
I am filing this complaint regarding XXXX and its collection agency, American Coradius International LLC, for attempting to collect an invalid debt arising from a fraudulent transaction and XXXX mishandling of the associated fraud investigation. On XX/XX/2026, my XXXX account was hacked. I immediately contacted XXXX and followed the security procedures they instructed me to complete. XXXX confirmed that my account had been secured. On XX/XX/2026, a fraudulent {$900.00} cryptocurrency-related transaction was processed through my XXXX account XXXX I immediately reported the transaction as fraud and froze my account. The {$900.00} had been withdrawn from my XXXX bank account. On XX/XX/2026, XXXX notified me that its investigation was complete and that the transaction would be refunded. The {$900.00} was returned to my XXXX account, and my XXXX balance returned to {$0.00}. On XX/XX/2026, XXXX unexpectedly changed my account balance to negative {$1800.00} and demanded payment. I repeatedly contacted XXXX seeking clarification and documentation regarding this alleged balance. During a call on XX/XX/2026, XXXX representatives initially claimed that both XXXX and XXXX had refunded the original transaction, which they asserted created a double refund. I reviewed my XXXX transaction history with them during the call, which showed that only a single {$900.00} refund had occurred. I was then transferred to another XXXX representative who acknowledged that XXXX had made an error in the fraud investigation and had mistakenly marked my fraud case as lost. I was told that documentation and transaction history would be provided to me. Despite multiple requests, XXXX has never provided : documentation supporting the alleged debt, a complete transaction history, findings from the fraud investigation, or proof supporting any claim that duplicate refunds occurred. Instead, on XX/XX/2026, I received a collection notice from American Coradius International LLC attempting to collect a debt of {$1800.00} on XXXX behalf. I dispute this debt entirely. XXXX has failed to provide adequate validation of the debt despite repeated requests and has referred the matter to collections while failing to substantiate its claims. I am requesting that : this alleged debt be investigated, all collection activity cease pending validation, any negative credit reporting related to this matter be removed or marked disputed, and XXXX be required to provide complete documentation supporting its claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I contacted NATLCRYS due to the collection being on my credit. Once I got a representative on the phone I was informed that NATLCRSYS no longer has my case since 2025 nor do I owe them. XX/XX/year> I received an letter from a different dept collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: Experian Information Solutions Inc.
State: TX

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I enrolled in a Citibank checking and savings account promotional offer for a {$750.00} bonus, which required maintaining {$30000.00}. The promotion page stated : if you also open and fund new Citi savings account, your balance can be held in your checking account or between your checking account and your new Citi savings account to count toward the minimum requirement to earn bonus. I opened the savings account later, but before doing so, I called Citi customer service to confirm whether opening the savings account later would still qualify under the promotion. The representative confirmed that it would still be eligible. Around day XXXX, I had {$30000.00} in my checking account. After day XXXX, I moved approximately {$29000.00} from the checking account to the Citi savings account. I called Citi customer service again to confirm whether the funds in the savings account would still count toward the {$30000.00} minimum requirement. The representative again confirmed that I was still eligible. Before the XXXX requirement period ended, I called Citi again because the Citi app showed that my eligibility was off. The customer service representative again confirmed that I met all the requirements and was still eligible for the {$750.00} bonus. A few days after the XXXX period ended, Citi told me that after reviewing the account again, the amount in my savings account could not be counted toward the {$30000.00} requirement, and therefore Citi refused to pay the {$750.00} bonus. I also later visited a Citi branch while traveling to XXXX because there is no Citi branch where I live. The branch representative reviewed the promotion terms and confirmed that, based on the terms I was enrolled in, the savings account balance should count toward the bonus requirement. However, the branch representative said they could not resolve the issue for me. I believe Citi provided misleading and inconsistent information. I relied on Citis promotion terms and multiple confirmations from Citi representatives when deciding to open and fund the savings account and maintain the funds across the checking and savings accounts. If Citi had told me earlier that the savings account balance would not count, I could have corrected the issue before the XXXX period ended. I request that Citi review the promotion terms, internal notes, and call recordings related to my account. I also request that Citi honor the advertised {$750.00} promotional bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am formally disputing the accuracy, completeness, and continued reporting of the following student loan accounts currently appearing on my consumer credit report under DEPT OF EDUCATION/NELN : Account opened XX/XX/XXXX alleged balance {$1000.00} Account opened XX/XX/XXXX alleged balance {$1700.00} Account opened XX/XX/XXXX alleged balance {$1000.00} These accounts are over XXXX XXXX XXXX or approaching that timeframe and continue to report in a manner that may be inaccurate, misleading, obsolete, or unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I request an immediate and thorough investigation into the validity and legal reporting of these accounts. I do not acknowledge the accuracy of the balances, payment history, account status, dates opened, deferred status, or any other information currently being furnished to the consumer reporting agencies. The reporting of these accounts must be supported by complete and competent documentary evidence. Accordingly, I demand the following : 1 Copies of the original signed promissory notes bearing my signature 2 Complete account histories and transaction/payment records 3 Documentation verifying the date of first delinquency, if any 4 Proof that your company has the legal authority to report and service these accounts 5 Verification that all information furnished to consumer reporting agencies is fully accurate and compliant with federal law 6 Documentation supporting the reported balances, terms, deferred status, and payment history 7 Verification that these accounts are legally reportable and not obsolete under applicable federal reporting laws Please note that a generic or automated response stating the account was verified does not satisfy the requirements of a reasonable investigation under the FCRA. Additionally, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request full validation of these alleged debts and request that any collection activity cease until proper validation has been provided. If your investigation can not produce competent documentary evidence validating these accounts in their entirety, I demand immediate deletion of all related tradelines from my consumer reports maintained by XXXX, XXXX, and XXXX. Failure to conduct a lawful investigation or continued reporting of inaccurate, misleading, or unverifiable information may constitute willful noncompliance with federal law. I reserve the right to file formal complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, Department of Education Ombudsman Group, and pursue all remedies available under the FCRA and FDCPA. Please complete your investigation within the timeframe required by federal law and provide written confirmation of the results.I

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: InDebted Corporation
State: TX

Complaint narrative:
I took out a loan from XXXX XXXX after contracting XXXX to pay off medical debt, and after making 2 of the 4 payments, I made a verbal agreement with an agent to spread the payments over longer period of time with smaller payments. I didn't see any change and wasn't able to verify that agreement was made when contacting the company again. The company then sold the account to Indebted, and since then I've been contacted by email every 3-5 days for multiple years, causing considerable mental turmoil.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: KEYCORP
State: NY

Complaint narrative:
I did not open or authorize this account. This account appears to have been opened fraudulently using my personal information.

Company response to consumer: Closed with explanation