vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
The information reported on my credit file contains inconsistencies, conflicting data, and material errors that undermine the credibility and accuracy of the accounts being furnished. I did not authorize or consent to any inaccurate reporting of these items. Additionally, I was not given prior notice or a meaningful opportunity to dispute, challenge, or restrict the reporting before it appeared on my credit filed, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2026-03-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian , Transunion, and Equifax have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate items on my report. I need these items blocked and removed from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Re : Blue Cash Preferred Subject : Formal Request for Reconsideration of XXXX XXXX XXXX Dear American Express Customer Service, I am writing to formally request reconsideration of the recent reduction of my credit limit from {$32000.00} to {$18000.00} on my American Express account. I have been a loyal American Express member since XXXX and, in over XXXX decades of membership, I have never made a late payment. My record clearly reflects responsible use of credit and a long-standing commitment to maintaining my obligations in a timely and reliable manner. For this reason, the decision to substantially reduce my available credit is both surprising and concerning. As experts in credit and financing, you are certainly aware that a significant reduction in a long-established credit line can negatively affect a customers overall FICO score by increasing the credit utilization ratio, even when the customer continues to manage the account responsibly. I respectfully but firmly request that this decision be reviewed and that my previous credit limit of {$32000.00} be restored. If your internal policies require a precautionary measure related to utilization or risk management, a temporary freeze on the credit line would be a far more appropriate option than a permanent reduction. I would find such an approach acceptable and, in the meantime, I will limit my use of American Express cards as much as possible. After more than XXXX years as a member in good standing, I trust that my long history of responsible account management will be taken into serious consideration. Thank you for your time and attention to this matter. I look forward to your prompt review and response. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Received my credit card statement on XXXX accounts and notice cash advance balance from a few years ago on all XXXX accounts shows interest accrued and increased the amount of the cash advance which I was not aware of. Spoke to XXXX at XXXX XX/XX/year> who was unable to explain and transferred me to a supervisor by the name of XXXX and she states NFCU changed the way the accrue interest which causes your cash advance balance to go up if not paid in full. I informed XXXX that I was not aware of this and told her this is fraud. I got {$500.00} and if interest keeps accruing, I will end up owing a lot more than {$500.00} that I did not get.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The following letter was submitted see below : ATTENTIVELY REVIEW my formal written composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: GA

Complaint narrative:
* * Paypal account XXXX - XXXX @ XXXX I was using my PayPal account to accept virtual payments as well as pay for services and goods used within my business as well. I had a few viral videos and really took off and they starting holding money from me for 21 days and then they shut my account down with no real explanation. They said my account has risk exposure and even when I showed the digital products I made and how I sold them they said I was banned and they wont release my money until XX/XX/XXXX. Its over {$55000.00}. I work so hard for my money and Im not sure what to do without access to these funds for 6 months. Paypal account Username - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
The information reported on my credit file contains inconsistencies, conflicting data, and material errors that undermine the credibility and accuracy of the accounts being furnished. I did not authorize or consent to any inaccurate reporting of these items. Additionally, I was not given prior notice or a meaningful opportunity to dispute, challenge, or restrict the reporting before it appeared on my filed report, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am disputing a rental collection account reported by Fair Collections and Outsourcing for {$970.00}. I have not received proper validation of this debt or documentation proving I legally owe this amount. I am requesting verification including the original lease agreement, itemized charges, and proof the debt was legally transferred to the collector. If this information can not be provided, I request the account be removed from all credit reporting agencies 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 2026-03-05 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: NY

Complaint narrative:
I am formally disputing the {$31000.00} collection for XXXX XXXX ( Account # XXXX ) managed by National Credit System. This debt is the direct result of XXXX XXXX and is being reported in violation of multiple federal protections. I am a survivor of XXXX XXXX, as confirmed by the XXXX ( XXXX ) attached police incident reports from the XXXX XXXX Police Department XXXX XXXX ) involving multiple Priority XXXX calls to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These records document an ongoing safety crisis that necessitated my emergency flight from this location. I am exercising my rights under the following Federal Laws : Fair Credit Reporting Act ( 15 U.S.C. 1681c-3 ) : This law mandates a XXXX XXXX. ' Upon receipt of the attached 'appropriate proof ' ( police reports ), credit bureaus must block adverse information resulting from XXXX XXXXXXXX within XXXX business days. The Debt Bondage Repair Act ( DBRA ) : This federal law prohibits credit reporting agencies and furnishers from including any adverse information that resulted from XXXX XXXX XXXX XXXX Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) : National Credit System is prohibited from misrepresenting the character or legal status of a debt. Reporting {$31000.00} for an apartment where I never signed a lease is a direct violation of this act. Regulation V ( 12 CFR Part 1022 ) : This requires furnishers to maintain the accuracy and integrity of data. Given my survivor status and the lack of a signed contract, this reporting is factually inaccurate. I demand the immediate suppression and permanent deletion of this entry from my XXXX credit report. I have provided my Statement of Truth and official ID to confirm my identity and survivor status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: MS

Complaint narrative:
I need help recovering my money phone cash app from XXXX I have and {$1000.00} that I cant get access too. No fraudulent transactions occur. I was going back and forth with several different support agents from there support team years ago and they made me verify my identity. I later got an email from XXXX of there team members by the name of XXXX from cash app told me after I do that they could grant me my money. So after I verified my identity. After I gave them everything they ask for. They told me that they would pay me but i never got my money. They still didnt give me my money. I did proceed to give them a call, They told me that they couldnt release my money due to security reason. I didnt understand, so i ask them to explained and all they kept saying was due to security reason. That was back in XXXX XXXX XXXX now and i have reach back out on XX/XX/XXXX and they was supposed to do an appeal and told me to check back in XXXX days. I called back in XXXX days then they told me to wait an additional XXXX days. Its XX/XX/XXXX and I havent gotten an email from them. So I just called about XXXX mins ago and still no help. they told me that they will put another notice in & to wait an additional XXXX more days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing the above referenced Comenity Capital / Carters account currently appearing on my credit file. I do not recognize this account as being reported accurately and I dispute the completeness and integrity of the information being furnished. BASIS OF DISPUTE XXXX. Inconsistent Reporting Across Credit Bureaus XXXX U.S.C. XXXX ( b ) This account is reported with multiple inconsistencies across the credit reporting agencies including but not limited to : Different high balance amounts ( {$50.00} vs {$76.00} ) Different account identifiers and truncation formats Different last activity dates Different derogatory coding and payment history An account can not be considered verified if materially different information is being reported between consumer reporting agencies. These discrepancies demonstrate a failure to follow reasonable procedures to assure maximum possible accuracy as required under federal law. XXXX. Misleading Derogatory Reporting The account reflects : Balance : {$0.00} Account status : Closed Account rating : Closed Despite this, the account continues to be reported as negative and associated with collection or charge-off status. Reporting derogatory information on an account that has been closed and shows a XXXX balance without proper context may be misleading to potential creditors. XXXX. Incomplete Creditor Identification The tradeline identifies the creditor as : COMENITYCAPITAL/CARTERS However, the original creditor field is listed as Unknown, which fails to properly identify the party responsible for furnishing the information. This raises concerns regarding the accuracy of the furnisher identification and the lawful basis for reporting. XXXX. Failure to Conduct Reasonable Verification XXXX U.S.C. XXXX ( a ) If this account is verified during reinvestigation, I request documentation demonstrating : The original agreement or application Proof of consumer responsibility Documentation supporting the reported balance history Confirmation of the date of first delinquency Automated verification alone does not satisfy the reasonable reinvestigation requirement of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My info was used to open XXXX XXXX Wells Fargo.bank XXXX XXXX XXXX and XXXX XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have XXXX Chase credit cards and have never missed payment on either. Last month I decided to pay a large amount to bring the balance down and to get my credit score up. The reason was so I can apply for a mortgage. My previous credit limit was {$5000.00}. I noticed today that my limit was decreased to {$3000.00} after I paid {$2500.00} to the card! Leaving me with {$300.00} available. This now impacts my credit score as it shows a much higher usage! I called customer service and they said they have no idea why and a letter was sent - I'm still waiting to receive the letter. I find it shocking that I haven't missed a payment, have multiple accounts with Chase and make efforts to reduce balances and in return I get my limit decreased and my credit affected for no reason. Can someone from Chase explain the rationale to this? Why wait until I make a large payment to take all that money from me and leave me with a worse credit and not inform me in advance? Time to move to a new bank- really disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am filing a formal dispute regarding a logic error in Synchrony Banks automated risk assessment. On XX/XX/year>, I requested CLI 's ( credit limit increase ) on my accounts which I have always done every 6 months or so. Synchrony reviewed my credit and approved a Credit Limit Increase on my account ( XXXX ), confirming my creditworthiness. However, less than XXXX hours later, the banks automated system closed all my accounts, citing 'High Risk. ' This is a direct contradiction : the bank can not simultaneously deem a customer worthy of more credit and then immediately penalize them for possessing that same credit. I have a 100 % on-time payment history and have been actively paying down my balances, if not already balance back to {$0.00}. This automated closure has caused an immediate, artificial spike in my credit utilization, damaging my credit score despite my perfect performance. I requested a manual review via phone because from what I was told, it is done by their system automatically and not reviewed physically by a person, and was told by the account manager that 'nothing could be done, accounts are never reinstated ' which is a refusal to correct a clear algorithmic error. I am requesting a Manual Reinstatement of my accounts to their standing prior to the bank-initiated increase.

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 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My credit score dropped drastically. I researched and found that synchrony bank closed my rooms to go store card without notice in XX/XX/XXXX. I called today XX/XX/XXXX twice and they told me I was high risk. I asked them if I had a late payment. They said no. I asked if I was paying the minimum and they said no. I asked them if the account offered 5 years XXXX interest they said yes. I asked if I have paid my account in the past successfully they said yes. I asked why am I high risk and why did you close it. They said my credit shows high risk. I havent paid late on any account at all since XXXX. I have high debt to income ratio because I just bought a house and have 80 % debt to income and purchased a new car because a tree fell on my car. This is not fair nor a good reason to just close my account without telling me. I would have paid a large amount, several XXXX to avoid this severe impact to my credit!

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 2026-03-05 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: KY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation