vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX RE : Dispute of Fraudulent Collection Account XXXX XXXX XXXX Dear Experian Dispute Department, I am writing to formally dispute inaccurate and fraudulent information appearing on my Experian credit report. The following account does NOT belong to me and is the result of identity theft : Disputed Account Details Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Balance : {$810.00} Original Balance : {$810.00} Date Opened : XX/XX/XXXX Account Type : Debt Buyer Status : Collection account past due as of XX/XX/XXXX Last Updated : XX/XX/XXXX I have never opened an account with XXXX XXXX XXXX, nor have I authorized anyone to do so on my behalf. I did not apply for this account, sign any agreements, receive goods, or benefit from this alleged debt in any way. This account is fraudulent and was created without my knowledge or consent. 
I have filed an FTC Identity Theft Report documenting this fraud and am enclosing it as proof. 
Applicable Laws Supporting My Dispute Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) Requires Experian to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681c-2 Requires Experian to block and delete information resulting from identity theft once an FTC report is provided.

15 U.S.C. 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy in consumer reports.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, debt collectors are prohibited from reporting false or misleading information and attempting to collect debts not owed by the consumer. 
Demand for Immediate Removal Because this account is fraudulent and supported by my FTC Identity Theft Report, I am demanding : Immediate deletion of this account from my Experian credit file Written confirmation of removal That this account NOT be reinserted in the future Enclosed Documents : FTC Identity Theft Report Government-issued ID Proof of address Failure to remove this fraudulent account may result in further complaints to the Consumer Financial Protection Bureau XXXX CFPB ) and the Virginia Attorney XXXX Office. 
Please complete your investigation within XXXX  days as required by law and notify me in writing of your findings. 
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 2026-01-13 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: MI

Complaint narrative:
I am writing to formally demand that you cease all communication with me regarding the account referenced above, Account XXXX XXXXXXXX, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that a debt collector cease further communication with me. This includes phone calls, emails, letters, or any other forms of communication. Additionally, please be advised that under XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX  ), it has been established that reporting a debt to credit bureaus is considered a form of communication. Any further reporting of this account to the credit bureaus without properly marking it as disputed will be considered a violation of this cease and desist request. Should you fail to comply with this demand, I am prepared to take all necessary legal actions to protect my rights under the FDCPA and other applicable laws. Non-compliance may result in you being liable for statutory damages, attorneys fees, and other legal costs. You are only permitted to contact me if you are ceasing collection efforts or if you intend to take specific actions as allowed by law. I request written confirmation that you have received this cease and desist notice and that all collection activities related to this account will cease immediately. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/year>XXXX  Transferred XXXX to someone ( processed that day ) XX/XX/year> Viewed my balanced and seen I was - {$330.00} XX/XX/year> Phoned customer service, waited 50 minutes on hold, spoke to an associate, spoke to a specialist, told me that, they can not credit my account as I could have checked their website for my accurate balance, rather then their own system.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX  : I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # XXXX. Please add your rejection comments below ; if you do not provide any details, your complaint will be closed as Answered. [ Keep me update by XXXX XXXX XXXX  and please investigate this new complaint and issue and get it resolved and waived or credited for me and keep me updated on this too. My name is XXXX XXXX please send this business my new response for Complaint # XXXX My name is XXXX XXXX my birthday is XXXX and my XXXX XXXX my checking account number XXXX I need all my denied claims disputes on my account to be appeal to be reopen and re investigation and re investigate and review for a new decision because I disagree with all the old decisions was made and make sure I get a full temporary or permanent final credit for - {$420.00} and look for the disputes numbers for me because I couldnt get it from the agents or supervisor because they was not helpful and refused to provide it to me more then one time and kept telling me they couldnt tell me it or reopen it and I need to contact the bussinsss company and I did no luck I told them and didnt want to reopen my denied disputes claims for re investigation and review I need them all reopen and re investigate for fraudulent unauthorized or file them under a new dispute claim numbers for me and also make sure all fees that should be on my account are automatically refunds or credit back to the account or waived or reversed like the noon sufficient fees and negative and over draft fees and return fees and other fees like those fees etc. Update I need this issue to be resolved and and corrected and fixed my account is negative by - {$560.00} now because on XXXX I got a refund for XXXX  for {$130.00} and on the XXXX I got a credit for {$130.00} by yall but not sure if it was for a debit debit claim credit or not for XXXX  or not and I need yall to put the {$130.00} back into my account yall make my account negative by for no reason and always make my account cleared to {$0.00} and waive the {$420.00} and the {$560.00} and give me a credit for those XXXX balance to make my account balance at {$0.00} and add this to my open active XXXX complaint case number XXXX please look at my attachments below etc. ] Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the XXXX  complaint process. 

FAQ Regards, 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 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I sent National Credit Systems a written debt validation request by certified mail regarding an alleged {$810.00} rental debt they are reporting from XXXX XXXX XXXX. The company received my request, but I have not received any validation of the debt. 

Despite receiving my written dispute, National Credit Systems has continued to report this account to consumer credit reporting agencies. Continued credit reporting of a debt after a written dispute without providing validation constitutes continued collection activity under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and inaccurate or unverified reporting under the Fair Credit Reporting Act ( 15 U.S.C. 623 ).

I am requesting that National Credit Systems either provide proper documentation validating this alleged debt or immediately remove the tradeline from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>XXXX  I disputed a {$30.00} charge from XXXX XXXX ( merchant website : XXXX  ) because the service was not delivered as promised. The merchant 's website is non-functional with broken navigation and abandoned features, making it impossible to access the paid service. 

I provided documentation to Wells Fargo showing the website 's broken state and lack of service delivery. The merchant was completely unresponsive to my direct contact attempts to resolve the issue. 

Wells Fargo rejected my dispute after approximately 2 weeks on XX/XX/year>XXXX  without adequate explanation of why my evidence was deemed insufficient or what evidence the merchant provided to counter my claim. When I requested details about the rejection decision, Wells Fargo did not provide meaningful information about their review process or the merchant 's response. 

I am losing {$30.00} for a service that was never delivered by a merchant operating what appears to be an abandoned website.

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 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I was not aware I had any debt with this debt collection company. They texted me detailed financial documentation with my full details to a number they had not verified was me today XX/XX/year>. 

They provided confidential infornation such as name, DOB, medical charges, medical location and account number via text message to my phone without validating my identity. 

This is innapropriate. If they have not confirmed my identity they should not be sending text message PDFs with my medical and financial info

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
XXXX university did not include my name as attendee during the years XXXX determined the school was found guilty of defrauding students.XXXX  provided her name and addresses to XXXX, who responded that her information did not appear in the eligible student database. 
XXXX disputed the ineligibility, citing FTC settlement requirements she believes she met, but XXXX stated the FTC 's determination is final. 
Key Years & Misleading Claims : XXXX : The Federal Trade Commission ( FTC ) and Department of Education ( ED ) found XXXX made deceptive claims about job prospects and earnings, famously using the slogan " We Major in Careers '' while inflating employment success rates. 
Loan Forgiveness & Settlements : FTC Settlement ( XXXX ) : A {$100.00} XXXX settlement included cash refunds and {$50.00} XXXX in debt forgiveness for private loans, benefiting students who attended between XXXX and XXXX and paid at least {$5000.00}. 
Department of Education ( XXXX ) : The ED began approving Borrower Defense claims, canceling {$410.00} XXXX in federal loans for students from XXXX who were misled by these ads. 
Eligibility : To get federal loan relief, students needed to have attended between XX/XX/XXXX, and XX/XX/XXXX, paid at least {$5000.00}, and filed a XXXX XXXX application.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I was having trouble with a payment I made. I completed the payment on [ insert date ], but it didnt seem to be processed or applied to my account correctly. Despite my efforts to resolve this, I received no clear explanation from the company. I contacted customer service multiple times, but the issue has still not been fixed. The amount of the payment was [ insert amount ]. Im seeking clarification on why the payment didnt go through as expected.

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is 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 non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
I filed a dispute with chime on XX/XX/year> due to unauthorized charges on my account when I received a text message about did I make a purchase online I responded no and the response I got back was no worry no money was removed from my account which it was. They denied my dispute and then closed my accounts which prevented me from appealing my case with my proof and reports I had since it was proven my account was hacked I really need my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: NY

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is 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 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 2026-01-13 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: TRIAD FINANCIAL SERVICES, INC.
State: WV

Complaint narrative:
My wife and I are both over XXXX XXXX XXXX and I am XXXX. We will seek assistance from the Department of Justice under the Elder Financial Abuse Program if we can not get a resolution here. 

We applied for a loan with Triad Financial Services ( TFS ) in XXXX of XXXX. This was so we could purchase a home at the end of XXXX or beginning of XX/XX/XXXX. 
The home center advised us the home arrived the first week of XX/XX/XXXX and TFS delayed the loan and requested 2 different substantial down-payments. At the very least, they committed various Errors & Omissions and most likely violated truth in lending laws. 

The entire purpose of using this company was based on the XXXX XXXX recommending them. We wanted to ensure the loan was completed so that we could have the home delivered and set up prior to the bad fall/winter weather. That did not occur and we suffered extreme financial loss because of the delays. We did receive a call from the loan XXXX on Friday, XX/XX/XXXX indicating we would be contacted by the corporate office no later than Monday, XX/XX/XXXX. We did not receive the call. 

The loan XXXX provided every excuse known and we are positive he has " adjusted '' his records to cover himself. 

We are willing to work with TFS on a resolution, but nothing has happened.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-LeachBliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to ID & SOCIAL.pdf ( 280 KB ) promptly notify them in the event of a breach. I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : 1. Provide a detailed account of the data that was compromised ; 2. Disclose the date and method by which the breach occurred ; 3. Explain the steps your organization is taking to remediate the situation ; 4. Provide documentation of your compliance with data protection laws ; 5. Correct any errors on my credit file caused by this breach ; 6. Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months. Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action.

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