vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
o I logged into my American Express Account and noticed I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

o I tried to log into my XXXX XXXX XXXX  Account using my XXXX XXXX XXXX Number and my Name ( Exhibit XXXX and Exhibit XXXX ). 

o I was then asked to verify my identity ( Exhibit XXXX and Exhibit XXXX ). 

o I was then told Keeping your information safe matters to us. Were sorry for any inconvenience but your account has been temporarily suspended due to a security risk. To recover your account, please visit delta.com/unlockmyaccount and fill out the Identity verification form ( Exhibit XXXX ), however, I followed these instructions and the form was blank! ( Exhibit XXXX ). 

o I then tried to find the form using other methods on the XXXX website ( Exhibit XXXX and Exhibit XXXX ) ; however, the form was still blank! ( Exhibit XXXX ). 

o I then tried to download the form from the internet, but I was told by XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is primarily completed online through a secure, non-PDF form on XXXX  Website not a downloadable PDF. Users needing to unlock or verify their accounts should navigate to the XXXX  Support Page and fill out the online form, which often requires uploading a government issued photo ID to confirm identity, typically processed within XXXX hours ( Exhibit XXXX ), however, I already had tried that ( Exhibit XXXX through Exhibit XXXX ) so I searched for an address to send a Complaint to XXXX and found the address provided on this Letter Head ( Exhibit XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MA

Complaint narrative:
I am filing this complaint against LJ Ross Associates regarding misleading and inconsistent information about my debt from XXXX. 

I received a letter dated XXXX  XXXX, XXXX, stating that I owed {$1400.00} and instructing me to contact them by XX/XX/year>. I was not aware that my account had been transferred to collections until I received this letter. 

On XXXX  XXXX, 2026, at approximately XXXX PM, I called LJ Ross Associates to resolve the debt. I explained that I was experiencing financial hardship but wanted to pay and resolve the account in good faith. I asked the representative whether the account had been reported to the credit bureaus. She told me that it had not been reported. 

I then asked multiple times whether setting up a payment plan would prevent the account from being reported to the credit bureaus. The representative clearly told me multiple times that if I set up a payment plan, it would not be reported. 

I requested written confirmation by email, but the representative refused and said I could only view the information through their online portal. I also requested to speak with a supervisor, but no one called me back. 

Based on the information provided, I set up a XXXX payment plan in good faith. 

On XXXX  XXXX, 2026, at approximately XXXX PM, I called again to confirm the payment plan. The supervisor confirmed that my payment plan was active, but then told me that the account would still be reported to the credit bureaus in 2 days because it had been 58 days since my last payment. 

This directly contradicts what I was told previously. I made my decision based on the information that it would not be reported. 

I am trying in good faith to resolve this debt despite financial hardship. I believe I was misled by their representative, and I am requesting that this account not be reported to the credit bureaus due to the misleading information provided.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tenaglia & Hunt, PA
State: NC

Complaint narrative:
I have tried multiple times to contact them in reference to a collection, however now Tenaglia and Hunt currently have it and I have been unable to contact them. I have been trying for a month now and I have unsuccessful getting anyone on the phone and also does not give the option to leave a message.

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: Lockhart, Morris & Montgomery Inc.
State: IN

Complaint narrative:
- on XX/XX/year> XXXX, XXXX & XXXX opens a delinquent account under my name that shows up on all three credit bureaus. 

- They contactedc me about this debt, I repeatedly told them that I have no knowledge whatsoever about this debt to this creditor.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Service International Corp
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXXXXXX XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 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: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MA

Complaint narrative:
I am submitting this complaint regarding the reporting of a severe delinquency ( up to 120 days late ) on my federal student loan serviced by MOHELA.

This delinquency occurred due to an oversight while payments were being managed by a family member, not due to willful nonpayment. Once I became aware of the issue, the account was promptly brought current and remains in good standing.

I am concerned that MOHELA did not provide adequate or effective notice prior to the account reaching a 120-day delinquency, and I am requesting a full review of the accuracy, timing, and completeness of how this information was reported to the credit bureaus. The reporting has resulted in a disproportionate and severe credit score impact ( a drop of over 150 points ), despite an otherwise strong credit history. The account is now current, enrolled in repayment, and all future payments are set to autopay. I am committed to maintaining on-time payments moving forward and am requesting fair and accurate credit reporting based on a full compliance review.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I reached out to Capital One in order to request a goodwill deletion, I sent multiple emails and have not heard back within the last 30 days from any of the people to whom I sent the emails.

Company response to consumer: Closed with non-monetary relief
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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIOis falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIOis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
They holding my Account.They lie about why it was closed.

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: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: NV

Complaint narrative:
I received a letter via XXXX on XX/XX/year>, dated XX/XX/year>, from a debt collection company named Central Portfolio Control ( CPC ) based out of XXXX, MN, attempting to collect a debt of {$870.00} that I have never received an invoice for. 

From there, I researched and discovered a template on the CFPB website requesting more information about the debt in question. I filled out the appropriate information and sent it to CPC via certified mail on XX/XX/year>. CPC received and signed for the certified mail on XX/XX/year>. Till this day I still have not received a validation notice. 

To date, CPC has continued to send me " offer to resolve '' notices violating the federal Fair Debt Collection Practices Act as they have never provided me with a validation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I contacted Credit Control , LLC at ( XXXX ) XXXX regarding a XXXX XXXX collection account that is currently appearing on my XXXX  credit report. The account is being reported as a {$370.00} collection balance. 
However, I previously made a {$100.00} payment directly to XXXX XXXX. This payment has not been properly reflected in the balance. Based on my payment, the correct balance should be approximately {$270.00}. Despite this, the representative from Credit Control , LLC stated that the balance was approximately {$400.00}, which does not match my credit report or reflect my prior payment. 
During this call, I spoke with a representative who identified herself as XXXX XXXX. She repeatedly stated that Credit Control , LLC does not do credit reporting, even though this account is currently appearing on my XXXX  credit report as a collection account. She refused to explain which entity is responsible for reporting the account and refused to explain why the balance being collected differed from the amount shown on my credit report. 
I requested to speak with a supervisor to resolve the matter, but XXXX XXXX refused to transfer me and stated that no supervisor was available. She stated that she was working remotely and could not provide escalation to another representative. 
After this interaction, I attempted to call Credit Control , LLC again at ( XXXX ) XXXX to resolve the issue, but my calls went directly to voicemail, preventing me from resolving the account. 
I am concerned that the balance being collected is inaccurate and does not reflect my prior payment to XXXX XXXX. I am also concerned that Credit Control , LLC is attempting to collect an incorrect amount and is providing inconsistent information regarding credit reporting. 
I am attempting in good faith to resolve this account and request investigation, correction of the balance, and correction or removal of any inaccurate credit reporting.

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 is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Im reaching out because Ive got a couple of collection accounts from LVNV Funding showing up on my credit report, and honestly, none of this is making sense to me. Im trying to get this cleared up the right way, but I feel like Im getting nowhere. 
Theres one account for {$1400.00} thats showing up on XXXX and XXXX with the account number XXXX. Then theres another one for {$1000.00} with account number XXXX. That second one doesnt even show the original creditor or where it came from, so I have zero idea what its supposed to be. 
Ive already asked several times for proper verification so I can understand what these debts even are and if they really belong to me. But so far, I havent gotten any proof, any documents, nothing with my info that actually shows these accounts are mine. 
Because of that, I honestly feel like my rights as a consumer are being ignored. After reading up on the Fair Credit Reporting Act, Im now realizing that I should not be stuck with things on my credit report that cant even be verified.

Im hoping you can help me finally get this sorted out because its been really frustrating trying to deal with this on my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On Sunday, unauthorized XXXX XXXX transfers were sent from my account to individuals I did not approve. My phone remained in my possession and I did not intentionally send these payments. I believe my XXXX ID or wallet was accessed by a third party. 

I immediately reported the transactions to Chase Bank. Chase closed and denied the claim stating the transactions were authorized, but did not address the possibility of unauthorized electronic access. I then contacted XXXXXXXX XXXX XXXX Bank XXXX who refused to open an investigation and directed me back to Chase. 

As a result, no financial institution is currently investigating these unauthorized electronic fund transfers. I am requesting a Regulation E investigation and provisional credit under the Electronic Fund Transfe

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: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express suddenly closed all of my accounts on XX/XX/XXXX of this year and forfeited XXXX XXXX reward points. 
I have been a member of American Express for 28 years. I had XXXX cards, personal and five business accounts, and they are not answering any of my calls. I contacted their legal department, and I got a letter back that says, " Sorry, your cards will not be reinstated, and nothing will change. We don't have to tell you any reason for why we cancelled. ''

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 company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint against Capital One for failing to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ) after receiving notice of my dispute regarding an alleged 30-day late payment reported to XXXX  on my Capital One credit card account ending in XXXX. 
After I disputed the late payment, XXXX  responded that the information was verified as accurate. However, neither XXXX nor Capital One has provided documentation demonstrating that a meaningful investigation was conducted or that the alleged delinquency is supported by competent evidence. 
Capital One continues to furnish this late payment despite being on notice of my dispute. 

Account Information : Creditor : Capital One Account Type : Credit Card Account Opened : XX/XX/XXXX Status : Open Current Balance : {$440.00} ( updated XX/XX/XXXX ) Disputed Item : One alleged 30-day late payment reported to XXXX  Legal Basis of Complaint : Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not report information it knows or should know is inaccurate. 
Under FCRA 623 ( b ) ( 1 ), once a furnisher receives notice of a dispute from a credit reporting agency, it must : Conduct a reasonable investigation. 
Review all relevant information provided by the CRA. 
Report the results of the investigation. 
Correct or delete any information that is inaccurate or unverifiable. 

The investigation must be meaningful. In XXXX v. XXXX & XXXX ( XXXX ), the court held that furnishers have a duty to conduct a reasonable investigation after receiving notice of a dispute. 

In XXXX v. BB & T ( XXXX ), the court confirmed that furnishers can be held liable for reporting misleading or inaccurate information after being notified of a dispute. 

Further, XXXX v. Midland ( XXXX ) clarified that verification requires actual documentationnot automated database confirmation. 

To date, Capital One has not provided : The billing statement reflecting the due date for the disputed month. 
Produce a complete billing history since XXXX. 
The full payment ledger for that cycle. 
Proof that payment was not received before 30 days past due The XXXX XXXX Payment Rating and Status Code transmitted to XXXX  Documentation supporting the Date of First Delinquency Without such documentation, the alleged late payment remains unsubstantiated and unverifiable. 
Nature of the Violation Capital One appears to have : Relied on automated ACDV responses rather than conducting a documented investigation Failed to provide supporting documentation Continued furnishing disputed data without demonstrating accuracy Potentially violated FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Repeated unsecured email communication, email belongs to a minor, information is not password protected

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Reliant Capital Solutions, LLC
State: MD

Complaint narrative:
I began receiving debt collection text messages from Reliant Capital Solutions regarding an alleged debt on XX/XX/year>. They continued sending text messages on multiple dates, including XX/XX/year>. On XX/XX/year>, I replied by text with a written request instructing them to stop contacting me by text or phone and to communicate only by U.S. mail. 

Despite this clear written request, Reliant Capital Solutions continued sending additional collection text messages. I received further collection text messages on XX/XX/year> and XX/XX/year>. These messages were collection attempts and did not acknowledge or honor my request to stop contacting me by text. 

I am requesting that Reliant Capital Solutions immediately cease all contact with me by text message and phone, and comply with the Fair Debt Collection Practices Act ( FDCPA ) by limiting communication to U.S. mail only, as requested. 

Screenshots of the relevant text messages are available and can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Revolut Technologies Inc.
State: RI

Complaint narrative:
A few months ago, I opened a prepaid debit account with Revolut ( Funds are held by XXXX XXXX, I believe ) a XXXX company. On XX/XX/year> I attempted to make a purchase at XXXX XXXX for about {$33.00} and was told that the card only paid {$16.00} with the cashier telling me that it probably only had a balance of {$16.00} on the card. Knowing that there was over {$300.00} on that card, I presented another credit card to cover the shortfall. 

Later that day, I accessed the phone " app '' for Revolut and found that fraudulent charges on my account had emptied it. I started a " Chat session '' thru the app to report the FRAUDULENT charges. The Revolut associate told me to change my account password, discontinue using the card that had the fraud and they would pick it up from here. I was on the chat session for over an hour and " chatted '' with a few different associates. 

When I got off the chat, I immediately changed my XXXX passcode on my I-phone, as that was my security passcode to access Revolut 's app. When I went back to log into the app, it said my credentials were incorrect and I could not log in. I tried the old passcode, the new passcode and neither allowed access to the app. 
I contacted the Revolut number on the back of the card, it's only a bot and offers an option to leave a message in the general mailbox. I did and stated that I could not access the app and requested that they contact me thru E-mail to help me get into the app. Over the next several days, I repeated this step, as I could not find any other contact method for Revolut. Each time, an associate contacted me by text or email and said they realized I was having difficulties and if I needed more help contact them thru the app. ( note : the problem is I'm locked out of the app so that information is totally useless. Subsequently, I tried contacting XXXX XXXX ( Internet Search ) and tried to get another way to contact Revolut. The bank said they have no access to another number for them and that all the functions at Revolut are carried out on Revolut 's sideXXXX XXXX has nothing to do with them. The receptionist was very nice and appeared to understand my problem but really could not provide any answers.

Company response to consumer: Closed with explanation