vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I am filing a complaint regarding a Robinhood credit card account that appeared on my Robinhood brokerage profile and on my credit reports without my authorization. A Robinhood credit card account with a large balance was added to my Robinhood brokerage account even though I never applied for or opened a Robinhood credit card. When this credit card account appeared, it was already populated with all of my personal details from my brokerage account, including my name and other identifying information. This makes it appear as though my brokerage account information was automatically used to create or attach the credit card account without my authorization. Because of this, I disputed the account with all three credit bureaus ( XXXX XXXX XXXX XXXX ) as fraudulent. The disputes recently came back denied, and the account has now been placed back on my credit reports. I believe the investigation was not properly conducted because I never authorized or opened this credit card account. I attempted to contact Robinhood directly about this issue by email, but I received an automated response stating that their email inbox is not monitored. Because I have been unable to reach a representative or get a proper review of this issue, I am filing this complaint so the matter can be investigated. I am requesting that Robinhood : 1. Conduct a full investigation into how this credit card account was opened and associated with my brokerage account. 2. Provide documentation showing the application, authorization, and identity verification used to open this account. 3. Explain how my brokerage account information was used to populate the credit card account. 4. Remove the account from my credit reports if it can not be verified as legitimately opened by me. 5. Correct any inaccurate information reported to the credit bureaus. This issue has negatively impacted my credit and I would like it resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service of Nevada
State: CA

Complaint narrative:
To whom it may concern, I am writing to follow up regarding the debt collection account reported under my name for {$1700.00} from XXXX XXXX XXXX XXXX XXXX, which was placed with Collection Service/Nev. While reviewing my credit report, I discovered the collection entry associated with this claim. The account references a sign-on bonus repayment. However, during previous communications, I was informed by XXXX XXXX ( employee of XXXX XXXX XXXX XXXX XXXX ) that XXXX XXXX XXXX XXXX XXXX payment records were inaccurate. On XX/XX/XXXX, XXXX XXXX confirmed that the payment records required correction and that the matter would be addressed among XXXX XXXX XXXX XXXX XXXX. In addition, during my recent conversation with XXXX XXXX XXXX XXXX XXXX - employee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was informed that a review would be conducted. Shortly thereafter, I received an email confirming that internal reports were reviewed, including a report run on XX/XX/XXXX and additional reports covering the XXXX period. In correspondence with XXXX XXXX XXXX she stated : We will contact the collections company and have your account removed from the list. Based on this information, it appears the collection claim was determined to be invalid following XXXX XXXX XXXX XXXX XXXX internal review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
While reviewing my credit reports, I discovered that an account had been opened in my name by NCB Management on XX/XX/year>, with a reported balance of {$19000.00}. I did not apply for, authorize, or benefit from this account, and I do not owe this debt. Upon reviewing my credit reports from all three major consumer reporting agencies, I also noticed that the spelling of my full name is incorrect. The correct spelling of my full name is XXXX XXXX XXXX XXXX. Additionally, the reports list addresses where I have never lived. Concerned about potential identity theft, I checked the XXXX data breach settlement website and confirmed that my personal information had been compromised in the large-scale XXXX breach XXXX I also filed an identity theft report with the Federal Trade Commission ( FTC ). After discovering the fraudulent account, I disputed it and requested documentation from the company showing that I am responsible for the debt. Despite my dispute and identity theft report, the account continues to be reported to consumer reporting agencies, along with other inaccurate personal information. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX XXXX XXXX XXXX credit reporting agencies block all of the fraudulent accounts, collections, and hard inquiries referenced in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. I also request that all written confirmation regarding this CFPB complaint be sent to me via the email address I have provided. Finally, I am requesting deletion of this account and correction of my personal information on all consumer reporting agency files, and that all collection activity cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: CT

Complaint narrative:
I do not reasonably believe I owe this debt. The date of this bill coincides with then I received a medically necessary procedure I was referred to by my primary physician under XXXX, which was in network, and which XXXX covers. There is no evidence that my health insurance was properly billed, despite the fact that they were provided with and confirmed my insurance prior to the procedure. I was neither able to reach the medical office to talk about billing through the established contact methods, nor through the method by which they contacted me. All around a huge mess, none of which is my fault or problem. And it's not right to attempt to collect on this " debt ''.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MN

Complaint narrative:
I am filing this complaint regarding a fraudulent collection account resulting from identity theft. A collection account related to an apartment in XXXX has been placed on my credit report. I have never lived at this property and did not authorize or open this account. I previously contacted the collection agency and provided the documentation they requested, including : My Identity Theft Report A copy of my driver 's license verifying my identity Despite submitting the required documentation, the company has failed to respond or correct the fraudulent account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), once a company receives an Identity Theft Report, they are required to cease reporting the fraudulent account and block it from appearing on my credit report. This account is still being reported and the company has not responded to my attempts to resolve this matter. I am requesting that this fraudulent account be immediately removed from my credit report and that the company comply with federal identity theft protections. If the company can not provide verifiable proof that I opened this account, it must be deleted. It said the account was opened XX/XX/year> amount of {$3000.00} 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 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Date : XX/XX/year> Re : Third Notice of Dispute and Demand for Method of Verification Creditor : XXXX XXXX Reported Balance : {$680.00} Account Type : Credit Card To Whom It May Concern, This letter serves as my third formal dispute regarding the above referenced account currently appearing on my consumer report. You previously responded stating the account was verified as accurate. However, your response fails to satisfy the requirements imposed under the Fair Credit Reporting Act. 1. The account appears on only one consumer reporting agency file and does not appear on my other national consumer reports. This inconsistency calls into question the accuracy and reliability of the information being furnished. 2. Under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Reporting a charged off account that can not be consistently verified across reporting agencies raises serious concerns regarding compliance with this requirement. 3. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting the complete Method of Verification used during your investigation. Please provide : - The name of the furnisher representative who verified the account - The address and telephone number of the furnisher contacted - The documents used to verify the balance, dates, and payment history - Whether the original signed contract or application was reviewed 4. The reported balance exceeds the listed credit limit ( {$680.00} reported balance on a {$600.00} limit ). Please provide documentation explaining how this balance was calculated and why the account continues to report a balance after being written off as a profit and loss charge off. If you can not provide documentation supporting the accuracy of this account and the procedures used to verify it, the FCRA requires the account to be deleted. If the account remains on my file without proper verification, I will have no choice but to escalate the matter through formal complaints with the Consumer Financial Protection Bureau and the Michigan Attorney Generals office for failure to comply with FCRA 1681e ( b ) and 1681i. Please complete your reinvestigation and provide written results within the statutory timeframe. Sincerely, XXXX 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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX I closed my American Express Platinum Account ending in XXXX. My account was closed in XXXX, but I was owed a refund of {$180.00} due ot a chargeback. After multiple calls between XXXX and XXXX, finally XXXX duplicate refund checks came in the mail all at once. I deposited only XXXX of these checks. The second check was never deposited, endorsed or cashed. The check # XXXX was cashed. Check # XXXX was never cashed. American Express is now incorrectly billing me for the value of that second check, as well as late fees attached to it. This is an error. Because I did not cash that check, and it has now been beyond 120 days so the check can't be cashed at this time. In XXXX I sent a letter to the corporate AMEX office with these details. Instead of reviewing this they sent me a letter in the mail saying that I still owe them money, plus the monthly late charges, and associated interest rates. This amount is not a valid debit. At this time I owe AMEX {$0.00}. It's poor accounting on their part and is now reflecting on my credit score. I continue to get letters in the mail and text messages telling me I have an outstanding balance. I have proof that the second check was never cashed. If they were to review their records they'd see Check # XXXX was never deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.I demand for this account to be taken of imediately as this stressful thing to deal with for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: CO

Complaint narrative:
On XX/XX/year> I visited XXXX XXXX in XXXX, Colorado for a promotional facial treatment. During this visit I was pressured into purchasing a cosmetic package listed on the receipt as the Signature Package with a stated price of {$2300.00}. The receipt provided by the merchant contains several inconsistencies. The receipt shows : Signature Package {$2300.00} Products Total {$2400.00} However, the listed products appear with {$0.00} pricing, making the calculation unclear and inconsistent. The payment was recorded as : XXXX {$1000.00} Check undefined {$1300.00} In reality, the {$1300.00} portion corresponds to a financing agreement processed through XXXX, not personal check.The receipt therefore appears to misrepresent the financing portion of the transaction by labeling it as Check. This raises serious concerns regarding compliance with the Truth in Lending Act, which requires that consumers receive clear disclosure of credit terms before entering into a financing agreement. Additionally, a separate receipt confirms that my card was charged {$1000.00} total, including the sale amount and a tip. The documentation provided by the merchant does not clearly explain the relationship between the package price, the credit card charge, and the financing agreement. I was not provided with clear disclosure of the financing terms or adequate time to review the credit agreement before the financing was initiated. These circumstances raise concerns regarding unfair or deceptive acts and practices ( UDAAP ) under federal consumer protection standards. After reviewing the charges at home, I became extremely concerned about the transaction and took protective action by contacting my bank and closing my checking account to prevent further unauthorized charges. Also I to contacted the XXXX on XX/XX/year> to dispute the transaction and attempt to resolve the issue. The services associated with the package were never rendered. I disputed the charge with my credit card issuer, but the dispute was denied. I have now filed an appeal and am waiting for the banks 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 2026-03-10 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: Bilt Technologies, Inc.
State: CT

Complaint narrative:
I bought a Bilt XXXX card on XX/XX/year>. The same day I used my card to pay my rent. On XX/XX/XXXX, Bilt debited my bank account with rent amount. However, they did not adjust the funds debited against the rent charge on my card. So technically, I am paying rent twice. The XXXX credit card statement has been generated which still has the outstanding rent charge and I have until XX/XX/XXXX to pay. The issue is still pending and they have not been able to resolve it. I have called, messaged and emailed but no solution. I need help to have Bilt fix the issue ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I am filing a complaint regarding a fraud claim that was denied by PNC Bank. A {$6600.00} check was stolen from my residential mailbox and chemically altered ( commonly referred to as check washing ) before being deposited and negotiated against my account. I reported the fraud to PNC after discovering the transaction and provided documentation showing that the check had been altered and stolen. The check was written on XX/XX/XXXX to my mortgage company for my escrow account and debited from my account XX/XX/XXXX. I learned of the altered and stolen check after receiving a letter from my mortgage company in XX/XX/XXXX stating my escrow was short. I immediately filed a dispute on XX/XX/XXXX then refiled XX/XX/XXXX. PNC denied my claim stating that the transaction was not reported within the timeframe outlined in the account agreement. However, this was not an authorized transaction. The check itself was materially altered after it was stolen from the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I disputed a collection account reported by National Credit Systems on my XXXX credit report. I contacted XXXX and NCS multiple times over the past several months, providing documentation from the original creditor showing the account was reported in error. The original creditor confirmed in writing that the account was reported by mistake. NCS only provided a copy of the original creditors statement and pictures, not their own verification, receipt, or proof of assignment. XXXX verified the account without providing any documentation or method of verification, despite the supporting evidence. I requested verification documents and the method used, but none were provided. I am requesting the account be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XXXX of 2026, I was searching for a credit card with a flight promotion. I stumbled across the Citi XXXX XXXX credit card that was offering new customers XXXX promotional flight miles if they spend over {$3500.00} within their first 4 months of activating their credit card. This was an intriguing offer so I decided to sign up for the card. Approximately XXXX weeks later, I received the card and activated my account. When I logged in I noticed that my account stated that I had a promotion activated for XXXX miles with the minimum spend of {$2500.00}. This was obviously not the promotion that got me to sign up for the card so I called Citi customer service. The woman on the phone provided me an email to let the promotional team know about the situation and she promised me that it should be resolved by the next billing cycle. Fast forward to XX/XX/XXXX, I have yet to hear back from the team that I emailed and the promotion was never updated on my account. I decided to file a complaint hoping this would help escalate the process.

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 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE INACCURATE AND DO NOT BELONG TO 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 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief