vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 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: WA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We contracted XXXX XXXX XXXX XXXX XXXX  ) to deliver our household goods to XXXX XXXX XXXX ( XXXX ), Florida on XXXX texted us at approximately XXXX XXXX  that afternoon of XX/XX/year> that they were in another town and we were to unload there. We replied they were to deliver our goods, as per our contract, to XXXX. Same day after XXXX XXXX  the contacted us and stated the truck was now in XXXX. We went to meet the driver and told him because of his late arrival we had to reschedule our movers to off load the household goods to XXXX XXXX  the next day. He contacted his office and at approximately XXXX XXXX  we negotiated a further charge of {$510.00} for offloading the next day - see attached email. we directly paid this by credit card. Later that evening ( approx. XXXX XXXX  and unauthorized by XXXX - XXXX additionally charged our Wells Fargo credit card XXXX more charges in the amounts of {$770.00} and {$510.00}, We disputed these charges with Wells Fargo Bank starting in XX/XX/year>, and received a letter dated XX/XX/year> stating our claims # XXXX for {$770.00} and # XXXX for {$510.00} were denied, Ultimately, we have never received an answer from the Wells Fargo Bank or merchant what these unauthorized charges were for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
My loans were discharged through borrowers defense. The loans have been marked as paid in full/discharged. Initially, they were showing a negative balance on the loans, and Aidvantage told me once they XXXX  out, the discharge is complete. Loans were XXXX  out on my account XX/XX/year>. I contacted Aidvantage on XX/XX/year> to inquire on XXXX of my refund due. They told me I needed to contact DOE. I contacted DOE and they told me I needed to contact my loan servicer for that information. Both entities point the fingers at one another and give cookie cutter responses. I was then told to contact the treasury and there is no way for me to get information from them without knowing exactly how much of a refund is due. Aidvantage told me explicitly they could not give me any information that directly pertains to my account ( when I was given a broad answer of discharges could take up to XXXX months ) when it is clear that my discharge has been completed. I just would like to know when will I see my refund and the dollar amount to expect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I was hired by XXXX XXXX on XX/XX/year>, and had an accident on XX/XX/year>, in Michigan. The XXXX XXXX XXXX department called me and told me that I was not qualified for the company, and my job ended on XX/XX/year>. Through XXXX XXXX, I then received a notice from Lockhart , Morris & Montgomery , Inc., a debt collection agency. They only sent me a text message, not a letter by U.S. Mail. I called Lockhart , Morris & Montgomery , Inc. about the alleged debt of {$2500.00}, and they told me I must pay it back because I did not complete the six-month agreement. However, XXXX XXXX terminated me ; I did not resign voluntarily. Lockhart , Morris & Montgomery also reported this alleged debt to the Credit Bureau, but I never took a loan from any company. I believe it is unfair and possibly unlawful for me to be charged {$2500.00} when I was terminated, and I am requesting that your office investigate this matter and take appropriate action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My wallet with my identity, debit and credit cards was stolen and used!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
I requested verified proof that I owe this debt and that it belongs to me. I have not been to this facility They have sent statements from showing a balance but not verified proof that it belongs to me nor a chain of custody showing they own the debt. I have made phone calls requesting and they have repeatedly refused to provide anything other then a statement and they saying it belongs to me. They are violating 15 USC 1692-1692P, 15 USC1692E, 15 USC 1692F , 15 USC 1681S-2 ( B ), 15 USC 1681E ( B ). 
It also violates established case law XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) and many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Over a year ago I had a pass account with cash app but I closed it I put in for a new account with cash app and I was told that I had to show my identity and the account was closed and I waited for them to open it but i received a message from them saying they closed it because of transaction that was against policy but there was nothing wrong with the account because it was never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX purchased a new XXXX XXXX. I am able to pay my payments on website but can not get balance details and it is showing closed on my credit report with no payment history. 
This Account is open has been paid every month on time since XXXX. We have reached out but phone is automated so that you can only leave messages. American Honda Finance co. refuses to even call me back. Per credit agency this is hurting both mine and my wife 's credit. They should not be allowed to treat honest on time paying consumers to cause issues with credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prosper Marketplace, Inc.
State: WI

Complaint narrative:
Since Saturday XX/XX/XXXX they have called me XXXX times and today is Wednesday.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
A hard inquiry appeared on my XXXX account called WFNBA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SECURITY FINANCE CORP
State: IL

Complaint narrative:
I do not own this account I believe a ex of mine opened this account using my info possible but Im not sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: TX

Complaint narrative:
I am filing this complaint to dispute inaccurate and unverifiable information currently appearing on my Equifax credit report. 

I am disputing the following charged-off and collection accounts : XXXX / XXXX ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX ( Acct # XXXX ) XXXX  ( Acct # XXXX ) XXXX  XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXX Acct # XXXX ) XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX  XXXX  ( Acct # XXXX ) XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXX XXXX Acct # XXXX ) XXXX XXXX XXXX ( Acct # XXXX ) I am also disputing late payment reporting related to : XXXX XXXX XXXXXXXX XXXX Acct # XXXX ) Multiple DEPT OF EDUCATION / XXXX  accounts listed on my report In addition, I dispute the following hard inquiry : XXXX XXXX XXXX  XX/XX/year> )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Issuer refused to process unauthorized recurring charge and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: T.S. Holdings
State: CA

Complaint narrative:
On XX/XX/2026 at approximately XXXX XXXX  CT, a representative from this debt collection company called my mothers phone number. During that call, the representative disclosed the last four digits of my Social Security number to my mother, who is a third party and not the consumer the caller was attempting to reach. I did not authorize disclosure of my personal identifying information to any third party. I have attached a screenshot from my mothers call log showing the incoming call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: MD

Complaint narrative:
I am disputing a medical debt resulting from a hospital 's failure to honor a Good Faith Estimate and prepaid self-pay charges for a XXXX XXXX  performed in XXXX of XXXX. 

At the time of service, I was uninsured. The facility issued a Good Faith Estimate reflecting the amount I paid in advance which was {$230.00}. I relied on this estimate in deciding to proceed with care. 

After the XXXX, I received an unexpected bill in the amount of {$650.00}. When I contacted billing, I was told to either pay the balance or provide insurance information. I provided insurance under pressure. I was not informed that providing insurance would void the Good Faith Estimate or increase the amount owed, nor was I given a choice. Providing insurance does not constitute informed consent. 

Subsequently, a bill in the amount of {$600.00} was issued reflecting my retroactive insurance coverage and deductible, ignoring the prepaid Good Faith Estimate. The account was then sent to collections while this dispute was active. 

I contacted multiple departments, including billing, imaging, patient advocacy, and hospital leadership. A nurse navigator advised me not to pay and escalated the issue to imaging management. Despite this, the hospital failed to resolve the matter. 

I dispute this debt because : -I was issued a Good Faith Estimate and prepaid that amount -I was uninsured at the time of service -Insurance was provided only after the hospital refused to resolve the unexpected bill -The hospital acknowledged concerns internally but failed to resolve the dispute -The account was sent to collections while disputed I request that this debt be investigated, removed from collections, and corrected to reflect the original prepaid amount.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: TX

Complaint narrative:
I attempted in good faith to resolve this matter by reaching out directly to the plaintiff. I submitted my answer to the lawsuit as requested and communicated via email ; however, the plaintiff did not provide me with copies of what they filed with the court. Their filing occurred approximately one month after my answer and consisted of a request for a default judgment, which I believe is unfair given my timely response and attempts to communicate. 

Additionally, the plaintiff sent a settlement or payment plan offer that arrived on the same day the offer expired. This was also the first and only time I was provided with a method to communicate directly with them to attempt resolution of the account. When I was initially served, I was given only one week to submit an answer, which I did.

The plaintiff has repeatedly failed to provide information in a timely manner. Despite my requests for hardship options, no reasonable settlement offers were made. The only concession offered was a reduction of {$400.00}. When I requested consideration for financial hardship, the only information they requested was my monthly mortgage payment, and no additional financial details were requested or reviewed. 

Furthermore, when the plaintiff did respond, they sent four identical copies of the same information rather than providing copies of documents filed with the court or docket-related filings. This lack of transparency and delayed communication has limited my ability to respond appropriately and resolve the matter fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint because the XXXX XXXX collection account for XXXX XXXX ( Account no : XXXX ), with a balance of {$620.00}, is STILL showing on my Equifax credit report and I am beyond fed up. I already disputed this exact collection account. I already filed a CFPB complaint. Yet somehow this same XXXX XXXX XXXX XXXX XXXX collection keeps reporting like nothing ever happened. That makes no sense. This collection account was reported without my authorization and should have been removed the first time I disputed it. Instead, XXXX  keeps allowing this XXXX XXXX collection to stay on my credit file. My disputes are being ignored, and no real investigation is being done. That is unacceptable. I am done going in circles. I want the XXXX XXXX XXXX XXXX XXXX {$620.00} collection account permanently deleted from my XXXX  credit report. Not updated. Not verified. Deleted and gone for good. I should not have to keep filing complaints just to get one obvious issue fixed. This has gone on long enough. Remove this collection account immediately and stop reporting it. I am not asking anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: InDebted Corporation
State: CA

Complaint narrative:
The company is indebted for a XXXX XXXX  XXXX  account. I was on my last payment. They told me to go online line and go to manage my page. It ended my plan and said I had to start a new plan for the full amount. I have called 5 times to voicemail. I have emailed 4 times. 
This is XX/XX/XXXX. The remaining balance was {$76.00}. XXXX Indebted XXXX XXXX XXXX  via XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capital one restricted my credit card account after a payment was reversed. i submitted a notarized affidavit resolving the payment issue and paid the affected account to a XXXX balance. Capital one has continued to restrict my account solely due to an unrelated balance on a seperate account, despite ongoing timely payments. capital one has failed to provide a written adverse action notice or complete compliance adjudication. i am requesting immediate restoration of access and formal written explanationof the policy being applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rogers, Carter & Payne, LLC
State: LA

Complaint narrative:
Company went to court to start garnishment of wages. Garnishment was granted and started. Garnishment of total amount plus interest was collected and garnishment was stopped. Fast forward a year later, they stated that amount was never collected and stated that garnishment was to be restarted because they were still charging interest. No notice was ever sent that amount was not paid off in full and I was never made aware that I was still being charged for something that I was made to believe was paid off a year ago. I was just made aware that they are going to be garnishing my wages again randomly for an additiona
l XXXX dollars without notice. I was made aware only because out payroll department let me know.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation