vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
In relation to complaint : XXXX Thank you for your response. However, the response provided does not include documentation verifying the alleged debt. The company has stated that the balance was confirmed with the creditor and referenced insurance processing, but no supporting documentation was provided. I am requesting proper validation of the alleged debt, including : An itemized statement of the medical charges Documentation showing the balance after insurance payments A copy of the Explanation of Benefits from the insurance provider Documentation showing Synerprise Consulting Services has been authorized by the creditor to collect this account Without documentation supporting the claim, the response does not sufficiently validate the debt being reported to my credit report. If the requested documentation can not be provided, I request that the account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WV

Complaint narrative:
I am filing this complaint regarding TransWorld Systems Inc. reporting a medical debt that is not in collections and should not be on my credit report. The account in question is a medical account with XXXX XXXX XXXX. I am currently paying directly with XXXX XXXX XXXX and have been making regular payments. XXXX XXXX XXXX has confirmed to me that the account has NOT been sent to collections and remains with the hospital billing department. Despite this confirmation, TransWorld Systems Inc. is reporting the account as a collection account on my credit report. I have disputed this account multiple times with the credit bureaus, explaining that the debt is not in collections and providing the information that it remains with XXXX XXXX XXXX. However, TransWorld continues to verify the account as accurate and refuses to remove it. This reporting is inaccurate and harmful, as it falsely indicates that my account has been sent to collections when it has not. This is negatively impacting my credit despite my good-faith effort to remain in good standing with the hospital through an active payment plan. I am requesting the following : 1. Immediate investigation of TransWorld Systems Inc.s reporting practices for this account. 2. Removal of the collection account from all credit bureaus ( XXXX XXXX XXXX XXXX ). 3. Correction of my credit file to reflect that the account is not in collections. 4. Written confirmation once the inaccurate reporting has been removed. XXXX XXXX XXXX has confirmed that the account remains with them and has not been placed with a third-party collection agency, making TransWorlds reporting inaccurate. I am attaching any documentation available confirming that the account is still with XXXX XXXX XXXX and that I am making active payments. The amount isnt even the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Every single time I try to use my debit card to pay bills or buy something I am not allowed access to my money. I can not take this anymore. This is the second time I report to you about this. I am not to to take empty action for it again. This needs to be corrected. I will get a lawyer even though someone else will have to pay for it because this bank does not allow me to have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding a XXXX credit card account issued by Comenity Capital Bank that is currently being reported on my credit report as charged off. Although the account is reported as charged off, Comenity continues to furnish a balance and negative payment history to consumer reporting agencies. Because this information is affecting my credit report, I requested that the company verify the accuracy of the information being reported. My concern is whether the information being furnished has been properly substantiated through the original account records. I have requested that Comenity verify the following information : The Date of First Delinquency associated with the account The complete payment history used to calculate the reported balance Documentation confirming the balance at the time the account was charged off Confirmation that the information being furnished to the credit reporting agencies matches the original account records maintained by the bank At this time I am concerned that the information being furnished may not be fully verified or may be inconsistent with the underlying account records. Because this information continues to be reported on my credit file, any inaccuracies in the delinquency timeline or balance calculation could negatively impact my credit profile. I am requesting that Comenity Capital Bank conduct a thorough investigation of the account records used to support the information being furnished to the credit reporting agencies and either verify the accuracy of the reporting with supporting documentation or correct or delete any information that can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
This company has repeatedly called me over and over again. Today I got XXXX calls in a row while I was trying to work. Then, when I called back finally they put me on hold. The first call I let ring thorough, they called again and I sent it to voicemail, and they excessively called over and over again. This was XX/XX/year> and not the first time they have harassed me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLIANT CREDIT UNION
State: VA

Complaint narrative:
I applied for an Alliant Credit Union credit card. I have been approved initially, but the loan officer will not complete the process until I " sign '' my social security card. I sent in my social security card, but he said it must be signed, and will not accept an unsigned version. He said a signature is necessary to " validate '' it. I can find no source that indicates a signature is necessary to validate a social security card. All sources I found indicated that it is valid by default, and an unsigned card is valid. The Social Security Administration says : " Instructions provided on the front of the SSN card stub advise adults to sign their card in ink immediately. Children are told not to sign until age XXXX or their first job, whichever is earlier. Although the card serves as SSA 's official verification of the SSN assigned to the individual named on the card, it is not an identity document. Failure to sign the card does not invalidate it. Therefore, a card sent to an infant or young child may be left unsigned and kept in a safe place with other important documents until needed by the number holder for employment purposes. '' XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX says : " Is an unsigned Social Security card valid? Yes. A signature on the card is not required for the card to be valid. You may accept an unsigned Social Security card as long as the card reasonably appears to be genuine and to relate to the person presenting it. XXXX XXXX XXXX XXXXXXXX All public documents from the U.S. government indicate an unsigned card is valid. I choose not sign because I have a well documented lifelong XXXX XXXX that makes it difficult for me to view things in my own handwriting. It puts me into a state of extreme XXXX XXXX XXXX. Forcing me to sign my card will force to permanently XXXX a state of XXXX every time I view the card. This may sound strange to you but it is my unfortunate reality.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.

Complaint narrative:
Recently my email account was compromised, the person who used my account was and registered in Cash App, I am afraid that I will ask for money from my " name '' so to speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian XXXX XXXX XXXX XXXX have all violated my rights as aconsumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on my report. I need these items blocked and removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am submitting this complaint regarding XXXX XXXXXXXX XXXX XXXX for reporting fraudulent information on my credit report that does not belong to me. The account being reported by XXXX XXXX XXXX XXXX is the result of identity theft. I did not open, authorize, or benefit from this account in any way. I have already disputed this account with the credit bureaus, and it has been removed from my XXXX credit report after it was determined to be fraudulent. Despite this, XXXX XXXX XXXX XXXX continues to report this false identity theft account, which is damaging my credit and causing unnecessary hardship. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have inaccurate and fraudulent information removed from my credit file. Since this account has already been confirmed as identity theft and removed from XXXX, it should not continue to be reported by this collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Someone sent me money by accident on PayPal and I tried to refund it. PayPal initially rejected the refund attempt. I was then authorized by the individual not to do the refund through PayPal because they tend to reject things like this, but to instead deposit the money from my PayPal account to my regular account. By doing so they authorized the transaction by sending it to me. I did what I was told and deposited the amount into my bank account and then I sent them back the money directly. Not too long after that, my account was in the negative of thousands of dollars, and I was told by PayPal that their bank wrote it as fraud. I submitted all the text messages between me and the individual that I still have active on my phone showing that our entire conversation and how they authorize the payment. They opened a 45 day investigation or it was probably 60 and I was still told that the individuals bank is sticking to the claim that the other individuals account was clear so now Im the one in the negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Recently multiple collections were posted on my credit bureau from your agency. Your collections need the following criteria in order to be valid. 1 ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC XXXX XXXX XXXX XXXX ( XXXX ). 2 ) A copy of any agreement signed with the debt procuring party. 3 ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. 4 ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the XXXX. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent and must be dismissed with all pertinent credit reporting agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: AZ

Complaint narrative:
I received my card and tried to activate it with the number provided. The automated service kept telling me my information was wrong. I went into the website and tried and same thing. I downloaded the app and same thing. I called the customer service number and somehow got through to a live rep. They told me the cards fine. I said its not fine because I can not even activate it due to it saying my information is wrong. She said my account is locked because of all my attempts to get in. She said to give it a couple hours and it should unlock to try again. I waited until the next day and got the same message. I tried calling back and now I somehow have no way of reaching a live rep. The phone just keeps hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDITis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TN

Complaint narrative:
Company : Westlake Financial Services Product : Auto Loan / Installment Loan Issue : Inaccurate credit reporting / failure to verify debt Complaint : I am filing this complaint regarding inaccurate credit reporting by Westlake Financial Services on an auto loan account currently being reported as open and more than 120 days past due. The vehicle connected to this account was stolen and later involved in a fatal accident that resulted in a total loss. A police report was filed, and I did not retain possession of the vehicle after the theft. The vehicle was never fully registered in my name beyond temporary tags issued at the time of purchase. Despite this, Westlake Financial continues to report a large delinquent balance and active past-due status. This reporting is damaging my credit and appears to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: WA

Complaint narrative:
I am filing this complaint against XXXX XXXX and Credit Control ( CorrespondenceXXXX ( XXXX ) XXXX ) regarding an unauthorized account ( No. XXXX ) created by a XXXX corporate store representative without my authorization. In XX/XX/XXXX, I visited the XXXX corporate store on XXXX XXXX in XXXX, WA to consolidate five personal lines onto a business account. Unknown to me, the representative also created an unauthorized personal line with a new number ( ending in XXXX ) and a XXXX XXXX XXXX ( a XXXX XXXX XXXX XXXX XXXX ). I never authorized this account, never received the device, and the line was never used. XXXX charged $ XXXXmonth for approximately 14 months ( {$2400.00} total ) without my knowledge. The charge was billed to my personal account while the legitimate business account billed elsewhere, making detection difficult. XXXX representative XXXX ( Call ID : XXXX, XX/XX/XXXX ) confirmed the device was never activated, the line was never used, and a refund was warranted. I stopped paying in XX/XX/XXXX and the account was cancelled XXXX XXXX Credit Control contacted me approximately XX/XX/XXXX. I immediately disputed the debt and provided Call ID XXXX Credit Control did not respond to email, did not return calls, and their portal is non-functional. On XX/XX/XXXX, Credit Control 's reporting dropped my credit score from XXXX to XXXX. My second written dispute that day also received no response. On XX/XX/XXXX, my sixth XXXX contact ( nearly 2 hours, 6 departments ), XXXX in XXXX Fraud ( Ref : XXXX ) confirmed a non-activated phone should result in a refund, then transferred me to someone with no information who could not help. XXXX refused to provide legal contact information. This information was provided to Credit Control and they declined to properly investigate. They have also been unresponsive to emails and phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I am writing to report a failure by Bank of America to allow me access to funds held in a custodial account ( XXXX ) where I am the sole beneficiary. As of the date of this report, I am XXXX XXXX XXXX. The account in question was opened in New Jersey. Under New Jersey Statute 46:38A-52, the custodianship of a XXXX account is required by law to terminate when the beneficiary reaches the age of XXXX. When I previously contacted Bank of America, I was falsely informed that I could not access the funds until the death of the custodian. This is legally incorrect for a XXXX account, as the funds became my absolute legal property upon my XXXX XXXX. I have attempted to resolve this, but the bank has failed to follow state law regarding the mandatory transfer of custodial property. Furthermore, I have an active restraining order against the former custodian ( my adopted mother ), making it legally impossible and dangerous for me to contact her to coordinate a transfer. Bank of America has a fiduciary responsibility to release these funds to me directly as I am now XXXX years past the legal age of termination. I am seeking the immediate release of my funds and a full accounting of all transactions made after my XXXX XXXX to ensure no unauthorized withdrawals were permitted by the bank.

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