vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the incorrect address information that appears on my credit report with TransUnion, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B. The following addresses listed in my TransUnion credit report are inaccurate and must be corrected or removed as required by law : Previous Addresses : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses do not belong to me, and I believe they have been incorrectly associated with my name. Under FCRA 607 ( b ), it is your responsibility to ensure the maximum possible accuracy of the information reported. These addresses do not meet the accuracy standards required by law, and I request that you remove them from my credit report.

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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Hi, Today ( XX/XX/year> ) XXXX setup a payment plan with XXXX XXXX XXXX. The terms were a {$75.00} down payment scheduled for XX/XX/year>, followed by $ 25 monthly payments beginning XX/XX/year>. Shortly after confirming and setting up the plan, the company attempted to charge my card on file for the down payment, ahead of schedule and without my consent. I immediately attempted to contact the them via there secure online method, but the agent told me I'd have to call someone else. I'm already stressed enough about the debt, and felt pressured by them to make take action on my account to avoid being sued. This was after sending a financial hardship dispute on XX/XX/year>, which they brushed off. I am trying to improve my financial situation, but at this time I'm barely scrapping by as it is, even this payment plan that I setup is a stretch at the moment. So for them to attempt something like this is deeply concerning and doesn't instill trust for them to care out the rest of the plan justly. Luckily the charge was rejected and my bank isn't charging fee this time, but this could have seriously affected the my other bills and resulted in late fees, etc.

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 2026-02-24 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: FL

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I paid my Synchrony credit card account in full and believed the balance resolved. After the payment posted, Synchrony assessed a small residual interest charge of approximately XXXX dollars, which I was not clearly alerted to. This resulted in the account as being reported as delinquent. As soon as I became aware of the balance, I paid it immediately. The account is now reporting as current ; however, the late payment remains on my credit report. This is my only late payment, the account remains open, and I had no intent to carry a balance. The delinquency resulted solely from residual interest assessed after a paid in full payment. I am requesting a goodwill correction to remove the late payment from my credit 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 monetary relief
Consumer complaint received 2026-02-24 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 writing to formally dispute certain negative account information that appears on my credit report with Equifax , in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B. The following accounts listed in my Equifax credit report contain inaccurate, outdated, or unverifiable information and must be corrected or removed as required by law : Account Information : XXXX. XXXX XXXX XXXX Account Number : XXXX Reported Date : XX/XX/XXXX Balance : {$800.00} XXXX. XXXX XXXX Account Number : XXXX Reported Date : XX/XX/XXXX Balance : {$750.00} I believe these accounts are either outdated, re-aged, or unverifiable. Under FCRA 607 ( b ), it is your responsibility to ensure the maximum possible accuracy of the information reported. These accounts do not meet the accuracy standards required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Four months ago, I was notified of a fraud. Someone had impersonated me and state of XXXX with ID and withdrew a check for {$6400.00}, I have been to Chase Bank for more than XXXX years. Last XXXX years its been in the state of XXXX I asked how could they accept a sudden change of residency, Address, and telephone number Furthermore, I am XXXX XXXX XXXX XXXX XXXX with some Physical-difficulties and the impersonator was much XXXX XXXX XXXX XXXX After that, given him the funds, they call the local branch to find out if I was XXXX or not. The tellers had said no Furthermore, the bank confiscated my funds and my account of over {$90000.00} and I have not been given a reason as to why I have been going back-and-forth for over four months and nothing has happened as of today Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
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 XXXX 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 explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX I was withdrawing money from my Wells Fargo bank atm XXXX I finished with my withdraw and went to work. I had my card in my possession. The next day at XX/XX/XXXX at XXXX, I tried to purchase an item at the store and was unable to. I called my bank to find out all bank accounts had been drained both my checking and savings. I wasnt even being informed of the multiple transactions taking place the day before .Right away I informed a Wells Fargo representative and was told I did not need a police report to resolve my fraud report. few days later I called again just to be told I did in fact need a police report. I did just that and asked for my transaction history. The policed informed me that they will not be able to help me, its the banks responsibility to help me and return my stolen money. Its now XX/XX/XXXX Wells Fargo has closed my claims # XXXX and # XXXX due to them determining no errors and not being able to obtain the surveillance footage.

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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I think Wells Fargo may be Stealing from its customers. Holding deposits then not crediting there accounts. Thank yall best regards

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 2026-02-24 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: VA

Complaint narrative:
I am filing this complaint because [ Name of Debt Collection Company ] is engaging in unfair or deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) .Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g, I am formally disputing this debt and requesting written verification. The company has violated my rights by Failing to provide written validation of the debt within 30 days of my request. Continuing to contact me for payment despite my formal dispute. Reporting inaccurate or unverified information to the credit bureaus. Failing to identify themselves as a debt collector. Being unable to provide proof of the original contract or their legal right to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I declined a fraud alert text for {$700.00} and responded N. The same day, {$980.00} was withdrawn from my account as an online debit charge. I had my debit card in my possession and did not make or authorize this purchase. I was contacted by someone pretending to be the bank right after the alert and was misled into giving a verification code because I believed I was protecting my account. Fraud was also happening through XXXX, and the bank froze and later closed my account due to compromise. I reported everything within 30 minutes. I do not believe this was properly investigated, and I am requesting reimbursement and a full review of how this was determined to be authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
A copy of the original signed contract or agreement was requested full account history and chain of ownership proof of spring oaks legal right to collect on this debt verification that the amount reported is accurate has not and can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
A copy of the original signed contract or agreement the full account history and chain of ownership proof of their legal right to collect on this debt verification that the amount reported is accurate has not and can not be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
My mortgage was serviced by XXXX XXXX and transferred to Rocket Mortgage. On XX/XX/XXXX, I successfully spoke with a representative named XXXX at XXXX who verified my identity and mailed me my XXXX Form XXXX. The Form XXXX contains my correct name, address, and loan number. However, Rocket Mortgages automated system now states that my loan number, Social Security number, and email address can not be found. I also never received the transfer verification letter that their system says is required. I have an active mortgage payment due XX/XX/XXXX, but I can not access my account online or through the phone system. Rocket Mortgage has issued an official IRS XXXX XXXX for this loan, yet their servicing system currently denies the loan exists. This is preventing normal account access and creates risk of payment processing errors. I am requesting : 1. Immediate manual verification and restoration of account access 2. Written confirmation of the correct loan number and servicing status 3. Assurance that no late fees or negative credit reporting will occur due to their system failure I have documentation of the Form XXXX and prior contact on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
My XXXX credit card discontinued reporting my excellent credit history with them to the credit bureaus. I am an authorized card holder and have had this credit card reported to my credit report for 20 years. The card company suddenly stopped reporting for me and would not give a reason why. I have not been late on a single payment since my wife and I got the card in XXXX. I believe this is retaliation for an attempt on my part to purchase a XXXX with this credit card. The card initially approved the purchase then would not release the funds for several months, tying up the transaction. They then cancelled the payment and would not give me a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I was an authorized user on my mothers card and she filed for XXXX which closed the card and hurt my credit. I requested that this be taken off of my credit report and it still has not been handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: WA

Complaint narrative:
I am currently being told that my account is delinquent despite having over paid and having made all of the required payments. They told me I missed a XXXX payment but I paid XXXX in XXXX and XXXX in XXXX on top of already being overpaid. While on the phone call it was intentionally made difficult to contact an actual representative and when I finally did they appear to have simply stopped responding or put me on hold indefinitely. I am currently on this call and have been on hold for approximately XXXX minutes and counting. I am also recording the call as evidence to be used against MOHELA if we go to court.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
am writing to formally dispute the above-referenced medical collection account reported by XXXX XXXX XXXX XXXX XXXX in the amount of {$730.00}. This account is the result of identity theft and/or unauthorized use of my personal information, and I do not owe this debt. LACK OF PROPER NOTICE AND VALIDATION I was never properly notified nor provided validation of this alleged debt prior to your reporting it to the consumer reporting agencies. Your actions raise serious compliance concerns under : FDCPA 1692g ( a ) requirement to send a validation notice within 5 days of initial communication FDCPA 1692e ( 8 ) prohibition on reporting disputed debt without proper disclosure FCRA 1681s-2 ( a ) duty of furnishers to report accurate and complete information Because I did not receive proper validation before credit reporting, the tradeline is legally defective. IDENTITY THEFT NOTICE ( FCRA 1681c-2 ) Pursuant to 15 U.S.C. 1681c-2, I am formally asserting that this account resulted from identity theft. Upon receipt of a valid identity theft report, furnishers and consumer reporting agencies are required to block and remove such information. You are hereby placed on notice that : I did not authorize this account I did not receive the underlying XXXX XXXX I dispute any contractual obligation with your company or the original provider MEDICAL PRIVACY AND ACCURACY CONCERNS As this is an alleged medical debt, your reporting must also comply with : FCRA 1681e ( b ) maximum possible accuracy FCRA 1681i ( a ) reasonable investigation requirement Applicable XXXX privacy principles

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding my American Express XXXX account, which was established via the XXXX XXXX program from Amex XXXX. Due to a persistent and unresolved systemic error on American Expresss part, I was effectively prevented from making payments, which ultimately led to an unfair " Charge-off '' status. The Core Issue : Name Mismatch and Payment Obstruction Upon transferring my account, American Express utilized my XXXX alias instead of my legal name. I recognized this immediately as a critical issue that would prevent me from linking my XXXX bank accounts for XXXX payments, as XXXX financial regulations require matching names for such transfers. I made my extensive efforts to comply. I contacted American Express customer service at least XXXX times to rectify this. Each time, I was instructed to complete a legal identity verification via XXXX. I complied and successfully completed the XXXX process XXXX separate times. Despite these efforts, Amex failed to synchronize my legal name across its backend systems. While the Apps home screen occasionally reflected the change, the account details and card-level data remained under the incorrect name. This technical negligence directly resulted in my inability to perform payments, as my bank rejected transfer attempts due to the " XXXX XXXX '' error. I have the full funds available to satisfy this debt and have always maintained a strong intent to pay. However, I should not be penalized for a default caused by the banks own technical failure and inability to process a legal name change after XXXX notarized attempts. Crucially, BEFORE opening this account, I called Amex to specifically flag the name discrepancy. The representative explicitly instructed me to apply using my legal name and assured me that Amex would correct and sync the records on the backend after the account was opened. I followed your expert advice, but Amex failed to fulfill that promise. I look forward to resolving this matter promptly. Sincerely, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
Summary of Complaint I am submitting this formal complaint regarding unauthorized access to my Robinhood brokerage account, fraudulent transactions executed without my authorization, and XXXX refusal to reimburse stolen funds despite clear evidence of account compromise. This matter involves an unauthorized account takeover resulting in fraudulent trading and loss of my assets. I believe XXXX failed to adequately safeguard my account and failed to properly respond to obvious indicators of fraud. You will clearly find that Robinhood failed to implement reasonable security procedures designed to safeguard my account. Robin Hood failed to detect and prevent suspicious login and treating activity inconsistent with my historical account behavior. Timeline of Events XXXX I first noticed unauthorized activity in my account. XXXXUnauthorized trades and/or transfers were executed. XXXX immediately contacted Robinhood and reported fraud. XXXX account became locked/ I lost access. XXXX requested a freeze on my account XXXX Robinhood completed investigation and denied reimbursement, with a generic denial letter, and no explanation of findings Unauthorized Activity The following occurred without my knowledge or authorization : - Login from unfamiliar device/location/state - Trades placed without my consent - Funds transferred and withdrawn - Rapid or unusual trading inconsistent with my history Total financial loss : {$17000.00} Evidence of Account Compromise I have documentation showing : - Access from geographic locations where I was not present - Suspicious login notifications- Immediate reporting of fraud upon discovery - Loss of account control Supporting evidence attached : - Screenshots of transactions - Emails with Robinhood Support - Account alerts I respectfully request investigation into whether Robinhood met its regulatory obligations, including : - Monitoring for suspicious logins and trading activity - Adequate fraud detection procedures- Proper escalation after fraud notification - Compliance with customer protection and supervision requirements Despite prompt reporting, and documentation sent, Robinhood denied reimbursement without adequately addressing these security failures.

Company response to consumer: Closed with explanation