vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 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: TX

Complaint narrative:
Below are separate, ready-to-use CFPB statements for each bureau. You can copy and paste them into the CFPB complaint form under the appropriate credit bureau. 

CFPB Complaint Experian Issue : Inaccurate Charge-Off Accounts, Unauthorized Inquiries, and Incorrect Late Payment Reporting I am filing this complaint against Experian for reporting inaccurate and unverifiable information on my credit report. 

1. Charged-Off Accounts Inaccurate/ Obsolete / Unverified The following accounts are being reported inaccurately. Several appear to be beyond the 7-year reporting period under the FCRA, contain incorrect balances, duplicate reporting, or have not been properly validated : XXXX Acct # XXXX XX/XX/XXXX {$2200.00} XXXX  Acct # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX Acct XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Acct XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Acct XXXX XXXX XX/XX/XXXX {$1000.00} XXXX  Acct # XXXX XX/XX/XXXX {$360.00} XXXX  Acct # XXXX XX/XX/XXXX {$0.00} XXXX  Acct # XXXX XX/XX/XXXX {$2300.00} XXXX  Acct # XXXX XX/XX/XXXX {$0.00} XXXX Acct # XXXX XX/XX/XXXX {$0.00} XXXX  Acct # XXXX XX/XX/XXXX {$0.00} XXXX Acct # XXXX XX/XX/XXXX {$1400.00} I am requesting that Experian provide documented proof of verification, including the original creditor contract bearing my signature and a complete payment history. If Experian can not provide proper validation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), these accounts must be deleted. 

Additionally, accounts from XXXX appear obsolete and should no longer be reported. 

2. Unauthorized / Inaccurate Hard Inquiries The following inquiries were not authorized by me and I am requesting proof of permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If Experian can not provide documentation showing I initiated these applications, they must be removed. 

3. Incorrect Late Payment Reporting XXXX XXXX Account # XXXX The late payment reporting is inaccurate. I am requesting a full payment history and verification of the reported delinquency. If Experian can not verify this information, it must be corrected or removed. 

I am requesting a full reinvestigation and deletion of any information that can not be properly verified.

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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I am writing to express my extreme frustration regarding my Wells Fargo account and the handling of my funds. 

I opened an account on XX/XX/XXXX, which was closed on XX/XX/XXXX after I attempted a XXXX transaction. I was informed that a check would be sent to my home, but I still have not received it. I have provided all necessary documentation, including screenshots of the XXXX transaction, and I have followed up multiple times without resolution. My previous complaint number is [ insert complaint number ]. 

Today I was told that I would receive an update on XX/XX/XXXX. This is completely unacceptable. I do not want to reopen the account. I only want my funds immediately. Expecting me to wait four months to receive the money that is already mine is outrageous and shows an extreme lack of professionalism.

I demand the immediate issuance of my check and confirmation that it is on the way, without further delay. XXXX XXXX handling of this case is unacceptable, and this situation is causing me significant stress. 

I expect a prompt response today, confirming when and how I will receive my funds. 

This is urgent and must be resolved immediately.

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 2026-02-12 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In my Chase mobile app, I was presented with an offer for a XXXX credit card, with 0 % apr for one year. When I was approved for this card, I was only given XXXX credit line, and 3 months later, they began charging me massive interest. My plan from the beginning was to carry a large expense and pay it off slowly over the year, I would have NEVER agreed to pay interest. The company is now saying that my offer never actually existed, and XXXX  I did not think I needed to take a photo of the offer to prove it was real. There is absolutely no way I could have misread this, and I strongly believe Chase has preformed some sort of bait-and-switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand regarding damages related to my tenancy at XXXX XXXX XXXX. 

During my tenancy, I reported serious safety and habitability concerns, including the presence of black mold and other unresolved maintenance issues, which were not adequately addressed. These conditions created an unsafe living environment for my household. 

As a result of these conditions, my family experienced harm, including medical expenses for my son, ongoing health concerns, and the need to vacate the unit. 

Additionally, I experienced : Complaints and maintenance requests being ignored Harassing phone calls and emails Loss of personal property Financial hardship related to relocation Under Texas Property Code 92.052 ( Landlords Duty to Repair or Remedy ), landlords are required to address conditions that materially affect the health and safety of tenants. Failure to do so may result in liability for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: TX

Complaint narrative:
I am a resident of Texas and I am filing this formal complaint against Jefferson Capital Systems , LLC ( JCS ) for violations of the Fair Credit Reporting Act ( FCRA ) and Texas Finance Code 392.202.

JCS is currently reporting a XXXX collection account ( # XXXX ) on my XXXX XXXX XXXX XXXX  credit reports. I formally dispute the ownership and the accuracy of this alleged debt. Despite my disputes, JCS has failed to provide any substantive evidencesuch as an original signed contract or an itemized billing statementto prove that I am legally responsible for this amount. 

Under Texas Finance Code 392.202, JCS is required to investigate the accuracy of a disputed item within 30 days. In previous CFPB complaints ( specifically regarding XXXX account # XXXX and XXXX  account # XXXX ), JCS admitted they could not verify the debts and agreed to " terminate collection efforts '' and delete the tradelines. They are now attempting to use the same unverified " debt-sweeping '' tactics with this XXXX account. 

I demand that JCS either produce the original signed agreement and a complete " Chain of Title '' proving their right to collect this specific debt in Texas, or immediately and permanently delete this tradeline from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This is XXXX XXXX XXXX I am filing this complaint due to my mortgage servicers failure to credit a confirmed escrow tax payment, resulting in severe and ongoing financial hardship. 

My address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX Mr Cooper Phone number XXXX Mr Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XX/XX/year>, I made a {$10000.00} payment over the phone, payable to Mr. Cooper XXXX for the XXXX property tax bill that the servicer paid on my behalf. This payment was made exactly according to instructions provided by the servicer. I received a confirmation number XXXX, and my bank statement confirms the funds were withdrawn and paid. 

Despite this confirmed payment, more than XXXX months later the amount has not been credited to my mortgage account. 

For the past XXXX months, I have contacted the servicer repeatedly to understand why my escrow and monthly payment amounts were unusually high. I was recently informed that the {$10000.00} payment was never applied, which directly explains the incorrect and inflated balances on my account. 

As a direct result of this failure, my monthly mortgage payment increased by over {$2000.00}, creating an immediate and severe financial hardship. 

I am a 100 % Permanently and Totally XXXX XXXXXXXX XXXX XXXX and suffer from XXXX and other service-connected medical conditions. This prolonged error and lack of resolution have caused extreme emotional distress and financial strain for me and my daughters. I do not have the financial ability to absorb this increase, especially when it is caused by the servicers failure to properly credit a confirmed payment. 

In addition, I paid the XXXX property taxes in full directly to XXXX XXXX of XXXX XXXX, yet my mortgage account still reflects inaccurate balances due to the missing XX/XX/year> credit. 

I am requesting the following corrective actions : Immediate crediting of the {$10000.00} payment Immediate correction and recalculation of my escrow and monthly mortgage payment Removal of any fees, increases, or negative impacts resulting from this error Written confirmation of resolution This issue has been ongoing for months despite repeated attempts to resolve it directly with the servicer. I am requesting CFPB assistance to ensure timely and proper correction, as the continued delay is causing real and measurable harm. 

Thank you so very much for your help and assistance in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a parent of a late development child thats XXXX. I have a checking account with Capital one I wanted to add my son to my account. For our convincence I started online through the customer app. It direct me to take my son to a branch for identity verification with XXXX forms of identification which we took his state ID and ss card. Once done I received an email to complete the process. I was able to add my son on. Shortly after I received an email stating theres restrictions on the account to call in .. so we did. After hours on the phone with different XXXX 's I was told we needed to go into the branch again. I told them we done that process once before we uploaded the documents online as well fix the problem here we're not doing this again. I was told they couldn't talk to me the primary account holder they needed to talk to my son whom was also on the phone I explained that my son has a XXXX I am his care provider they told me they didnt see anything that states that. I asked why would you of Noone ever asked on the phone or in the branch and besides this is my account not my son im adding him on. So yes the frustration are high now. I requested to speak to a supervisor whom refused to speak with me and only my son whom called out for help from me because he was having difficulties answer questions that he didnt know. I requested to close the account and to cancel my credit cards due to the treatment I and my disable son received. I was told i had to allow XXXX for my account to be closed. I've been a Capital one customer near XXXX now and stopped business as of today due to poor customer service lack of communication notating they account and lack of knowledge on how to handle disable customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a denial letter for Citi-Diamond Mastercard , that I NEVER applied for. It says I was denied because of existing or previous acct has a history of late payments. I never applied or have a credit card with them! When I called the fraud dept, they told me there was another credit card under my social security number but under a different last name, I asked what is the last name, they said they couldnt tell me because of the privacy policy, so I said so you protect the criminals privacy and you give them a fraudulent credit card under my social security and you tell me the victim that I cant know who took this card out and then the hung up on me! The Fraud dept at Citibank hung up on me!!

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 2026-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am formally disputing this debt because it was improperly billed and I was never properly notified. 

At the time of service, I had both primary and secondary insurance coverage, including XXXX XXXX and employer based insurance. The providers failed to correctly process the claim through my primary insurance before billing the secondary insurance, which resulted in denial. 

When I contacted the billing department, I was informed that they can not rebill the insurance because the account has been sent to collections due to the time that has passed. They stated that it is now the responsibility of the collection agency. However, I was never properly notified of any outstanding balance prior to it being sent to collections. I did not receive any mail, email, or phone communication regarding this debt from the agency. I am unsure whether they had an incorrect address on file, or if they dont have my information correct, but I was never given the opportunity to resolve this matter before it was escalated. 

I have documentation from both insurance providers ( state XXXX and my employer insurance ) confirming active coverage at the time of service. I also have email records showing that I requested information regarding this account. I have spoken with representatives multiple times by phone and was told there is a note on my account stating it is with a dispute company ; however, I have never been contacted by that company nor provided any additional information. 

Additionally, I have reviewed public consumer complaints regarding this agency and found multiple reports from other individuals describing similar issues with improper billing and lack of notification. This indicates that my experience may not be an isolated incident. 

Thank you, please reach out if you need any additional information or documentation!

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 2026-02-12 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America improperly denied my credit card fraud dispute totaling {$7400.00} despite my timely notice, lack of authorization, and non-receipt of merchandise. The bank relied on a single {$14.00} chargewhich I initially believed might be legitimate due to confusionto deny XXXX unauthorized transactions made on XX/XX/year>. I am a XXXX consumer. No goods were delivered to me or my residence, and Bank of America has failed to provide legally sufficient proof of delivery as required under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

On XX/XX/year>, XXXX Bank of America credit card was used for 15 unauthorized transactions at framevibesstudio.com, totaling {$7400.00}. I did not authorize these transactions, and I did not receive any merchandise related to them. 
I promptly reported the fraud to Bank of America and disputed the charges. During the investigation, a single {$14.00} charge was discussed. As a XXXX consumer, I initially believed this small amount might have been a legitimate charge I had forgotten. This was confusion, not authorization, and I never authorized the subsequent transactions totaling over {$7400.00}. 

Bank of America denied my dispute twice, stating that the merchant provided proof of delivery. However : No merchandise was delivered to me or my residence Bank of America has not provided proof showing delivery to my address There is no signed delivery receipt, carrier confirmation, or evidence linking the deliveries to me Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), Bank of America is required to conduct a reasonable investigation and correct billing errors when goods are not delivered as agreed. Partial or mistaken acknowledgment of one small charge does not constitute authorization for additional transactions. 

I filed a police report with the XXXX XXXX XXXX for credit card fraud and provided the case number to support my appeal. Despite this, Bank of America has refused to reopen the dispute or reverse the charges. 

I believe Bank of America improperly relied on a de minimis charge to deny a substantial fraud claim and failed to meet its obligations under federal law, particularly given my age and vulnerability as a senior consumer.

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 2026-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting. 
The account listed under account number XXXX with a balance of {$2000.00} marked as collections Please provide documentation showing your legal authority to collect this alleged debt, including proof of assignment from the original creditor and the date the account was transferred. 
Please provide a complete itemization of charges beginning with the original date of service, including all payments, insurance adjustments, contractual write-offs, and fees added. Additionally, please confirm that this account is being reported in full compliance with XXXX XXXX reporting standards and that all fields, including Date of First Delinquency, payment history profile, and account status, are accurate. 
This account may reflect improper billing and/or failure to correctly apply insurance payments and contractual adjustments. Please provide documentation showing that all insurance payments and contractual reductions were properly applied before reporting this balance. 
Please provide documentation demonstrating your legal authority to collect, including proof of assignment and the complete chain of title from the original creditor of SYNERPRISE CONSULTING SERVICES And/or U.S. ANESTHESIA PARTNERS Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report with maximum possible accuracy. I am requesting documentation showing how this balance was calculated. If the account can not be verified with itemized documentation, it must be corrected or deleted under FCRA 611. 
If you are unable to provide complete documentation verifying the accuracy, legal authority, and proper calculation of this account, it must be deleted pursuant to FCRA 611 ( a ) ( 5 ) Please also confirm the Date of First Delinquency being reported and provide documentation supporting that date pursuant to FCRA 623 ( a ) ( 5 ).

Company response to consumer: Closed with explanation