vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 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: FL

Complaint narrative:
On XX/XX/year>, my personal information was compromised in a publicly reported data breach involving XXXX XXXX XXXX. Following this breach, a XXXX XXXX credit card account was opened fraudulently in my name without my knowledge, authorization, or consent. After discovering this account on my credit report, I immediately disputed it with the credit bureau and the furnisher, stating that it is the result of identity theft. I also submitted an FTC Identity Theft Report and requested that the account be blocked and removed pursuant to the Fair Credit Reporting Act ( FCRA 1681c-2 ). I further requested full verification of the account, including a signed application or contract, complete account records, and the method of verification used. The company failed to provide any documentation proving that I authorized or opened this account. Despite my identity theft claim and supporting documentation, the account continues to be reported. This is a violation of FCRA 1681c-2 ( failure to block fraudulent information ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681e ( b ) ( failure to ensure maximum possible accuracy ). I am requesting the immediate blocking and permanent deletion of this fraudulent account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, my personal information was compromised in a publicly reported data breach involving XXXX XXXX XXXX. Following this breach, a XXXX XXXX credit card account was opened fraudulently in my name without my knowledge, authorization, or consent. After discovering this account on my credit report, I immediately disputed it with the credit bureau and the furnisher, stating that it is the result of identity theft. I also submitted an FTC Identity Theft Report and requested that the account be blocked and removed pursuant to the Fair Credit Reporting Act ( FCRA 1681c-2 ). I further requested full verification of the account, including a signed application or contract, complete account records, and the method of verification used. The company failed to provide any documentation proving that I authorized or opened this account. Despite my identity theft claim and supporting documentation, the account continues to be reported. This is a violation of FCRA 1681c-2 ( failure to block fraudulent information ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681e ( b ) ( failure to ensure maximum possible accuracy ). I am requesting the immediate blocking and permanent deletion of this fraudulent account from my credit file.

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 2026-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Land Collections, Inc.
State: IA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unverified information being reported by Mountain Land Collection on my credit reports. This account is listed as a medical collection with a balance of approximately {$2100.00}. I have disputed this account and requested proper validation ; however, I have not received sufficient documentation to verify the accuracy of this debt. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive complete and accurate validation of any debt being reported or collected. To date, Mountain Land Collection has failed to provide : - A complete itemized statement of the alleged medical charges - Proof of my legal obligation to pay this specific debt - Documentation showing authorization to collect on behalf of the original creditor - Verification that the amount reported is accurate and not inflated or duplicated Additionally, due to the nature of the medical billing, there are heightened concerns regarding accuracy, insurance processing, and potential billing errors. Without proper documentation, this account should not be reported. Reporting unverified or inaccurate information is a violation of the FCRA. Continued collection activity without proper validation may also violate the FDCPA. If this account can not be fully verified with proper documentation, it must be removed in accordance with federal law. I expect a timely and compliant response within the required investigation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received a Citi XXXX card last week after having a different Citi card for many years, and proceeded to make a few purchases on it. The purchases went through fine, and there was no problem with them being charged to my card. Then I added the card to my XXXX XXXX, and the next transaction I attempted after that was declined. This transaction was using Citis own travel site, so not even a random company. This was a hotel reservation that I tried to reserve on XX/XX/XXXX, and after having it declined a few times, I called Citi to see what was happening. I talked to XXXX different customer service representatives on XX/XX/XXXX, and they both told me the only way to verify my identity was to send me a letter via regular mail that would take XXXX business days to arrive. That was not acceptable to me, so today ( XX/XX/XXXX ), I called back and spoke to an agent named XXXX who said she spoke with her supervisor and eventually said she was able to clear the fraud alert on my account using the other Citi credit card that I have. But when I tried to make the hotel reservation, again it was declined. I then called Citi again multiple times, and received poor service. XXXX agent said she would call me back to verify my identity, but the phone call never came. XXXX agent said she would send me an email to verify my identity, but I never received the email. When I told her I never received the email, she then wanted my XXXX card information so that she could call XXXX to verify my identity. I was extremely uncomfortable giving her my XXXX account information, and when I expressed my discomfort, she hung up on me. I tried XXXX more time to get the fraud alert lifted. When I called back again, I spoke to a supervisor who said her hands were tied, and I would have to wait for the letter of verification. So we came full circle on the process, and I will have to wait XXXX weeks to receive a letter that may never be sent especially based on Citis previous actions ( or inactions such as it may be ). And I realize I may be showing my age by saying this, but Ive been a Citi credit card holder since XXXX, and they could not help me at all.

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 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
On XX/XX/year> I mailed a certified letter to NCS Inc, XXXX XXXX XXXX, requesting the validity of this collection that they had submitted to be on all XXXX of my credit reports. I requested the validity of this collection and the collection balances because these are XXXX completely different collection agencies in XXXX different states trying to collect XXXX very different amounts for the same rental property. I have not received a response via mail like I requested. Also I disputed this through the Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX deemed my dispute as the information of this collection is accurate but XXXX XXXX XXXX have not given a result of their finding and decision yet. I included the ledger as well as a screenshot of the email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that sold my original balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MS

Complaint narrative:
On XX/XX/year>, I noticed that my Robinhood brokerage account had been placed under review for " unusual activity, '' and I was no longer able to withdraw funds from the account. My full account balance is {$3200.00}. On XX/XX/year>, I contacted Robinhood through the in-app chat to ask about the restriction. A support representative informed me that a restriction of this type should not prevent me from withdrawing my existing cash balance. I retained screenshots of this conversation. On XX/XX/year>, I sent a written message to Robinhood support asking XXXX specific questions : ( XXXX ) what documentation was needed to complete the review, ( XXXX ) a timeline for resolution, and ( XXXX ) whether my balance could be released for withdrawal in the meantime. I received no response for XXXX hours. The following day, I sent a follow-up email repeating those XXXX questions. Shortly afterward, I received an automated email stating that my case had been closed. No explanation was provided, no documentation was requested from me, none of my XXXX questions were answered, and my account remains restricted with the funds inaccessible. I have made good-faith efforts to resolve this directly with Robinhood on at least XXXX separate occasions. The company has not communicated what the review requires, provided no timeline, and closed my case without substantive contact. I am requesting that Robinhood either ( XXXX ) complete the review and release my balance for withdrawal to my linked bank account, or ( XXXX ) provide a specific written explanation of what is required from me and a firm timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bilt Technologies, Inc.
State: MA

Complaint narrative:
I applied for the Bilt XXXX credit card and received a message stating they were unable to verify my identity. At the time, XXXX credit bureau XXXX XXXX XXXX was frozen, but I subsequently unfroze it and ensured all credit reports were available. I attempted to reapply multiple times but continue to receive the same unable to verify identity message. I opened XXXX support cases, contacted their social media support, and was told the issue was escalated to a senior team, but I have not received any follow-up or resolution. I also attempted to engage through their official XXXX support account, which asked me to send a direct message, but their account does not accept messages, and subsequent follow-ups have gone unanswered. To this day all contact from the company has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC
State: MD

Complaint narrative:
This is fraud. I never had a contract with this debt collector. XXXX XXXX XXXX sold my debt to a collection company without my consent. I told the company to spot contacting me back in XXXX of 2025 via call. I continue to received emails until XX/XX/XXXX and still receive calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/year> Original Amount Owed {$180.00} Status UNPAID I previously disputed this account with XXXX, and they responded that the account was updated. However, this same account has already been removed from my credit report with XXXX, which raises serious concerns about the accuracy and consistency of the reporting. Additionally, my personal information was exposed in a data breach, and I have reason to believe this account may be related to fraudulent or improperly verified activity. XXXX has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act. They did not provide sufficient details regarding how the account was verified, and I question whether any actual documentation was reviewed. I am requesting the following : XXXX proper reinvestigation of this account -A full description of the method of verification used -Deletion of this account if it can not be properly verified I expect XXXX to comply with their obligations under federal law and or remove this inaccurate information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing this complaint regarding my Capital One credit card account with a balance of {$760.00}. My household is experiencing severe and documented financial hardship. My wife has multiple serious medical conditions including XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX with a XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, among other conditions. She has undergone XXXX XXXX and is currently preparing for her XXXX. I am her primary caretaker. We also have XXXX XXXX children, XXXX of whom has significant medical needs and has already undergone XXXX with a second XXXX upcoming. I am also a XXXX XXXX XXXX XXXX veteran rated by the VA for XXXX , XXXX XXXX, XXXX XXXX, XXXX, and other conditions. Due to these compounding hardships, I am requesting a goodwill deletion of this account from all three credit bureaus as a hardship exception. Multiple other creditors have granted full deletions under these same documented hardship circumstances. We are desperately trying to purchase a single-story home that is medically necessary to accommodate my wife 's physical XXXX stemming from XXXX XXXX , XXXX XXXX XXXX, and her XXXX prior XXXX, as well as my own service-connected XXXX as a XXXX XXXX XXXX VA veteran. Our current living situation is not physically accessible for either of us. This account is directly and significantly impacting our credit score and our ability to qualify for a mortgage loan, preventing us from obtaining housing that is a medical necessity for our family. Every month this remains on our credit report further delays our ability to secure safe and accessible housing for our XXXX household. Capital One customer service has refused to consider any exception despite our documented hardship. I respectfully request that Capital One 's executive team review this account for a full deletion as a hardship exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am disputing an account that was opened through identity theft. I never applied for or authorized this account. I have already disputed this matter with the credit bureaus and provided proof of identity theft, yet the account remains on my report without proper validation. This is a violation of the Fair Credit Reporting Act.

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 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I am writing to formally dispute a repossession that has been reported on my credit report concerning GLOBAL LENDING SERVI - XXXX. The repossession is recorded on XX/XX/year>, and I believe this entry is inaccurate due to the following reasons : Under 15 U.S.C. 1681s-2, furnishers of information must provide accurate data to credit reporting agencies. I believe the reporting of this repossession is incorrect. I believe the reporting of this repossession is incorrect Additionally, the repossession itself did not adhere to the requirements of the Uniform Commercial Code 9-609. Furthermore, I believe that the actions taken by the creditor or debt collector in this matter were in violation of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I am writing to formally request reconsideration of my previously denied claim regarding a fraudulent transaction in the amount of {$1400.00} sent via XXXX XXXX on XX/XX/year>. At the time of this transaction, I was the victim of a sophisticated scam involving an individual impersonating a law enforcement officer from the XXXX XXXX XXXX XXXX. The caller identified himself as XXXX XXXX XXXX and used coercive and urgent tactics to convince me that my son was in immediate legal jeopardy and required a bond payment. During this interaction, I was sent a request for {$1400.00} and instructed to remain on the phone. I was also explicitly told not to disclose the situation to my bank or anyone else. This created a high-pressure and emotionally distressing situation in which I reasonably believed I was acting under legitimate authority. The circumstances involved impersonation of law enforcement, manipulation, and coercion, which significantly impaired my ability to make a fully informed and voluntary decision. Shortly after the initial payment was sent, the caller claimed the funds had not been received and attempted to solicit an additional payment. At that point, I recognized the situation as fraudulent. I immediately contacted Wells Fargo to report the incident and took further action by filing a report with the Federal Trade Commission ( FTC Report # XXXX ) and submitting a complaint through the Consumer Financial Protection Bureau ( CFPB Complaint ID : XXXX ). While I understand that the transaction may be considered authorized from a technical standpoint, I respectfully assert that it was not authorized in a meaningful or informed sense. The authorization was obtained under false pretenses through deception and coercion. I did not intend to send funds to a scammer. Given these circumstances, I am requesting that Wells Fargo conduct a thorough reconsideration of this claim, including a review of the coercive and fraudulent conditions under which the transaction occurred. I also request documentation outlining the basis of the original denial and the steps taken during the investigation. I respectfully request reimbursement of the {$1400.00} lost as a result of this incident, or any appropriate resolution that reflects the nature of this fraud. Thank you for your time and consideration. I look forward to your response.

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 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Remove three ( 3 ) fraudulent inquiries from credit file. 1. XXXX XXXX 2. XXXX 3. 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 non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Contacted via text message regarding XXXX credit card that I was sued for and ruled judgment proof by XXXX XXXX without consenting to text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX Went to XXXX XXXX from a car accident. XXXX had a medical Lien for the uninsured through XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX Reference XXXX File # on check : XXXX Phone : ( XXXX ) XXXX They stated they paid off {$710.00} Called XXXX they say they only received {$110.00} ] then went to collections in XX/XX/XXXX from 7 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I opened a business XXXX account, I had someone pay me for business I typically do, all this was disclosed to XXXX, I submitted business documents as well. For no reason they banned my account and are withholding my funds. I do not know what to do at this point, this is extremely unfair. They are no longer responding to my emails even though I tried so much to contact them.

Company response to consumer: Closed with explanation