vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 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: AZ

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 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
I contacted you several times before completing the move-out process and was repeatedly assured that there were no issues. Even on the day I moved out, I was informed that the unit I stayed in had no problems and that my security deposit would be returned within XXXX week after inspection. However, a month after the move-out inspection was completed, I suddenly received a XXXX-sided email charging me additional costs. This is unacceptable. I am disputing a debt that I do not owe. On XX/XX/year>, I completed a move-out inspection for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX where management signed a formal report marking all categories as " OK '' with no damages or outstanding costs. I have sent XXXX certified letters with this evidencedelivered on XX/XX/XXXX ( Tracking # XXXX ) and again in XXXX the withdrawal of this false claim. However, the collection agency sent a response on XX/XX/year>, claiming the debt is " valid '' without addressing my proof. The agency is failing its duty under the FDCPA to conduct a reasonable investigation. I demand that this invalid collection file be closed immediately and not reported to any credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am reporting unauthorized activity and fraud on my Cash App account. In XX/XX/year>, I lost my phone. Shortly after receiving a replacement device, I discovered that my Cash App account had been accessed without my permission. There were transactions on my account that I did not authorize. On XX/XX/year>, a XXXX purchase of approximately {$100.00} was made through my Cash App account and was immediately withdrawn. I did not make or approve this transaction. On the same date, an account was also opened in my name with XXXX without my authorization, which further confirms that my personal and financial information was compromised and used fraudulently. My bank, XXXX XXXX XXXX XXXX, identified the activity as fraudulent and declined all related funding attempts. As a result, no money was successfully withdrawn from my bank account. Despite this, my Cash App account now shows a negative balance of - {$100.00}. I do not owe this amount because : * The transaction was unauthorized * The funds were never successfully withdrawn from my bank * The activity occurred after my phone was lost and my account was compromised I previously reported this issue and requested that my account be closed due to fraud, but the issue was not resolved. I am requesting a full investigation, removal of the negative balance, and written confirmation of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Back in XXXX I opened an account at Navy Federal Credit Union after getting a lump sum check of {$170000.00} settlement after being injured in XXXX. I deposited the check and since then Navy Federal has took the money closed the account with no record of the account. I learned that a Navy Federal employee had been gaining access to my accounts by another employee that asked me not to expose them. When I contact navy federal they said they have no access to that account and that the account was overdrawn and closed with no record. I now have new opened account accounts and I asked for an audit on that account open in XXXX but was denied. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I received a text from Bank of America alerting me of potential fraud charges on my XXXX credit card. I immediately replied that the charges were not mine - it sent a list of recent purchases and I indicated my last real charge and the future charges were marked as fraud. The card was immediately turned off and cancelled. New cards were issued. It was my XXXX XXXX XXXX son 's card information that was used, he was always in possession of the physical card. I submitted formal fraud disputes for two charges to XXXX XXXX XXXX, total of {$970.00}. The orders were placed on-line using my son 's card info, and the goods were picked up in store. BoA investigated and denied the disputes saying the merchant provided proof that the items were picked up. I called BoA and escalated the fraud dispute again, they denied the clain and said I am liable for the charges. Upon my request, they showed me proof that someone picked up and signed for the merchandise- it does not match my son 's signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I am formally disputing this collection account being reported and collected by IC System Inc due to inaccurate, incomplete, and unverifiable information. The reported balance is inaccurate and I have not been provided sufficient documentation showing how this balance was calculated, proof of ownership of the debt, full payment history, original creditor information, or legal authority for IC System to collect and report this account. I dispute the validity of this alleged debt and request full validation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Please provide : 1. Original creditor information 2. Complete payment history 3. Full account statements 4. Proof of assignment/ownership of the debt 5. Legal authority to collect and report 6. Method of verification used If this documentation can not be produced, I request immediate deletion from all credit reporting agencies and cessation of collection activity.

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 2026-04-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an American Express gift card for {$500.00}. I used exactly {$400.00} of it but when I try and use the last {$100.00} it gets declined everywhere. AmEx is stealing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Im writing to file a complaint against [ Portfolio Recovery Associates LLC ] for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I ordered a laptop through XXXX and used XXXX XXXX pay who are partnered with Comenity Bank. The order was delayed and then ultimately canceled due to parts availability. After cancellation of the order, the XXXX and the bank are claiming a tool related delay in generating the credit memo. The order has now been canceled for 17 days, and I have an upcoming credit card payment due. I called comenity bank again and they routed me back to the XXXX purchasing team whos automated system tells me the order is canceled and will not connect me with a live representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: DC

Complaint narrative:
I filed a dispute because I never received the merchandise on XX/XX/2026. CitBank changed correspondence from mail to online because I never received the outcome. I called on XX/XX/2026 after receiving an email telling me my payment was late. XXXX told me they closed the dispute because I didnt respond. When making the dispute I told the agent I never received the merchandise. My Best Buy bill never been late, I pay the bill in full before the next month. Citibank is sending credit reports inaccurate rating. To prevent issues I pick up my order from the store to make sure I receive it, they told me they mailed it and I never received the merchandise. On XX/XX/2026 I went to XXXX and they gave me a picture of my porch with no merchandise on it, again I didnt receive the item and didnt sign for the XXXX. This is really troubling because I didnt receive the items.

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 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I previously filed a complaint regarding an account Toyota Motor Credit is reporting under my identity that I disputed and reported as identity theft. Toyota Motor Credit responded through the CFPB, but their response failed to address the core issues raised. Instead of providing documentation proving that I opened, authorized, or am legally responsible for the account, Toyota Motor Credit stated they were unable to locate the account using the information provided and requested additional identifiers. Despite claiming they could not properly identify the account, Toyota Motor Credit continues furnishing the account as accurate to the credit reporting agencies. This is the central contradiction : if Toyota Motor Credit can not locate or substantiate the account using the information already provided, it should not continue certifying or reporting the account as valid under my identity. I previously requested supporting records, including identity verification, application records, contract records, and evidence relied upon to furnish this account after receiving identity theft notice. Toyota Motor Credit did not provide those records in its CFPB response. As of the date of this complaint, the account continues to be reported on my credit file. I am filing this complaint because Toyota Motor Credits prior CFPB response was incomplete, evasive, and did not resolve the disputed reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Unions handling of a fraud dispute that has been ongoing since XX/XX/year>. On XX/XX/year>, I discovered that both my phone and my Navy Federal card were no longer in my possession. Around that same time period, unauthorized transactions began occurring, totaling approximately {$6300.00}. I did not authorize, participate in, or benefit from these transactions in any way. This situation is not isolated. I also received official written notice from XXXX XXXX confirming that my personal information, including highly sensitive data such as my Social Security number and date of birth, was compromised in a data breach. This created a clear and documented identity theft risk during the same timeframe. I promptly reported the unauthorized activity and have consistently disputed liability since that time. I fully cooperated with Navy Federals investigation and provided detailed written statements explaining the loss of my phone and card, the timing of the transactions, and the identity theft concerns tied to the data breach. Despite this, Navy Federal denied my claim. The only explanation provided has been that their information contradicts my claim of unauthorized activity. They have not identified what specific evidence was relied upon, what facts support their conclusion, or how they determined that I authorized these transactions. I have made multiple written requests asking for the factual basis of their decision, including transaction details, authorization methods, device or IP data, merchant records, and proof of delivery. These requests have not been meaningfully addressed. Instead, Navy Federal has continued to rely on vague and generalized responses while refusing to provide the underlying evidence. Additionally, references to a historical or trusted device do not establish authorization, especially given that my phone was lost at the time. I have documentation showing that I had to obtain a new phone, which directly contradicts the assumption that these transactions were conducted by me on a trusted device. This lack of transparency has made it impossible for me to meaningfully understand or challenge their determination. I am not requesting proprietary fraud detection methods. I am requesting the specific factual basis and documentation used to conclude that I am responsible for these charges. I continue to dispute liability for the full amount. I did not authorize these transactions, did not receive any goods or benefit, and have consistently raised identity theft concerns supported by documented evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing this complaint against Chime regarding multiple unauthorized transactions on my account that were not made or approved by me. Between XX/XX/XXXX and XX/XX/XXXX, I identified XXXX fraudulent transactions from a merchant listed as " XXXX * '', each ranging from {$30.00} to {$32.00}. I did not authorize these charges, nor did I benefit from them in any way. I promptly reported this fraud to Chime, and a dispute was opened ( Dispute # XXXX ). Despite this, the issue has not been resolved satisfactorily, and I am concerned about delays and lack of proper protection of my account. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I am entitled to protection against unauthorized electronic transactions. Chime is required to conduct a timely and reasonable investigation and provide provisional credit where applicable. I believe Chime has failed to adequately protect my account and properly resolve this matter. These repeated unauthorized transactions indicate a serious security concern. I request an immediate and thorough investigation, full reimbursement of all disputed charges, and confirmation that my account has been secured to prevent further unauthorized activity. If this issue is not resolved promptly, I am prepared to pursue further regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding Capital Ones denial of my XXXX XXXX Credit Card application dated XX/XX/year>. The adverse action notice gave the following reasons : 1. Based on your application information, the owner of this legal entity type has too many new credit card accounts. 2. Based on your application information, the owner of this legal entity type has too many credit card closures and recent inquiries given their business revenue. These reasons are vague and do not provide sufficient detail for me to understand the actual basis for the denial or to verify whether the information relied upon was accurate. I am concerned that Capital One may be using broad automated underwriting criteria without providing meaningful adverse action disclosures as required under fair lending and consumer protection standards. Specifically : The notice does not identify how many accounts were considered too many, what timeframe was used, or what data source was relied upon. The statement regarding closures, inquiries, and business revenue is unclear and unsupported by any measurable standard. I incurred a hard credit inquiry in connection with this application, which may negatively impact my credit profile, yet I was not given a clear explanation of the decision basis. If personal credit data was used in evaluating a business application, I request transparency regarding what consumer report information was materially relied upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: KS

Complaint narrative:
I have three consolidated federal student loans serviced by Aidvantage. I am disputing two periods of unauthorized administrative forbearance that have cost me qualifying Income-Based Repayment ( IBR ) payment credit and caused financial harm through interest capitalization. Forbearance # 1 : I was enrolled in the PAYE plan when the XXXX XXXX 's XX/XX/XXXX injunction placed all PAYE borrowers in forbearance. This lasted approximately 12 consecutive months. Under the IDR Account Adjustment, forbearances exceeding 12 consecutive months should be automatically credited as qualifying IDR payments. I have received no confirmation this credit was applied. Forbearance # 2 : On XX/XX/XXXX, I submitted a mid-year IBR income recalculation request through studentaid.gov due to unemployment. I was not applying for SAVE or any new plan I checked the box " I am submitting documentation early to have my income-driven payment recalculated immediately '' within my existing IBR plan XXXX This was fully processed and approved on XX/XX/XXXX with a $ 0 monthly payment. XXXX days later, on XX/XX/XXXX, Aidvantage placed my account in forbearance citing the SAVE plan court injunction. I was not on SAVE, had not applied for SAVE, and my IBR application was not on hold it had been fully approved three days earlier. IBR is established by statute and was not blocked by the injunction. A second forbearance notice with identical language was sent XX/XX/XXXX, confirming the forbearance continued for months after my XXXX plan was fully approved with a {$0.00} payment I genuinely needed due to unemployment. Additionally, all three of my consolidated loans entered repayment simultaneously under identical XXXX terms but now carry XXXX different projected payoff dates, suggesting interest capitalized improperly during one or both forbearance periods. On XX/XX/XXXX I submitted a formal written dispute to Aidvantage via fax and secure message requesting IDR payment credit for both forbearance periods, a complete capitalization history for all three loans, and reversal of any improperly capitalized interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: MS

Complaint narrative:
A company that I bought something from had a {$1.00} try offer with a subscription after a time period I unsubscribe from it an was giving a email saying that I unsubscribe buy XXXX weeks after same company took {$30.00} off my card without me know I sent direct express all the information got a new card dispute it after 10 days I ask shouldn't my money been credited back that said it still takes XXXX called they said I would be getting it by the XXXX last month then I call I was told it still pending still haven't seen it dispute number is XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief