vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2026-01-26 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
was approved for a Chase Sapphire credit card in XX/XX/2025. Chase did not deliver the physical card for nearly two months after approval. Because of this delay, I could not activate or use the card to meet the promotional spending requirement during a significant portion of the bonus period. 

Chase can clearly see both the approval date and the activation date in their system, as well as the delay in delivery. Despite this, they started the promotional spending clock at approval instead of when I actually received and could use the card. 

I contacted Chase customer service and explained the situation, but they stated they have no way to adjust the promotional period or provide any accommodation, even though the delay was entirely on their side. 

As a result, I lost eligibility for the sign-up bonus through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am a Public Service Loan Forgiveness ( PSLF ) borrower with the US Department of Education ( servicer XXXX ) who meets the employment requirements for forgiveness. I was placed into administrative forbearance related to the SAVE plan litigation and I am eligible to pursue PSLF Buyback for those months. 
I submitted PSLF Buyback requests on XX/XX/XXXX ( case # XXXX ) and after numerous calls and receiving no updates, I submitted a Buyback request again on XX/XX/XXXX ( case # XXXX. On XX/XX/XXXX I was notified by email that my first request # XXXX was being closed for being a duplicate, leaving just my Buyback request from XX/XX/XXXX pending. After not hearing about a determination, I contacted the US Dept of Education Student Aid to inquire about updates. On XX/XX/XXXX I received email response that we are not able to review the status of reconsideration applications from our end via email. We are only able to see the status of your standard PSLF application. To speak with someone regarding the progress of your Public Service loan forgiveness reconsideration case you will need to call Loan Discharge and Forgiveness Customer Support - XXXX. I called several times and contacted them by email over the next several months. On XX/XX/XXXX ( case # XXXX ) I was informed that I had submitted everything needed and that the Buyback request from XX/XX/XXXX has already been escalated and worked on. I asked via email for updates when another month and a half had passed with no resolution and on XX/XX/XXXX I was informed by email that Unfortunately, there is no time frame when your request will be completed. You will receive an email correspondence when a decision has been made, you can reply to the initial email when you submitted the request and ask for an update. Meanwhile I received no update, leaving me to question whether my case had actually been escalated. I continued to recertify my employment and because I now had more payments, I submitted another reconsideration request for buyback on XX/XX/XXXX ( case # XXXX ) using the electronic system online. There has been no determination or update. 

I have confirmed that my Employment Certification Forms are processed and that I have qualifying employment for the months in question. Despite this, my Buyback requests remain unresolved, and I have been unable to obtain a timeline or explanation for the delay. 

Overall my request for buyback has been pending for over 1 year with no substantive response, determination, or request for additional information from Federal Student Aid. 

Given the length of time that I was left without resolution, I changed over to a different repayment plan that was not in litigation and have subsequently made more payments. 
The prolonged lack of response is preventing resolution of my PSLF status and causing unnecessary financial and emotional harm.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
We were gurantor on lease and not occupant The occupant moved out, and landlord did not notify us of any debt owed. 
The credit agency is Fair Collections as Outsourcing My involvemnet was limited to being a non -ocupant guarantor. 
I never received any written notice, validation notice, or demad for payment All of my contact information has been the same for over 10 years, and my mailing address has not changed in 30 years The first notice OF MY involvement was the appearance of collection notice on my credit report. 
This violattes fair debt collection pracice act, and fair credit reporting act. 
I called Fair Collections as Outsourcing, and they advised that they did not have my address, so they didi not notify me. 
Again the landlord had my e mail address, mailing address, home telephone number, and my mobile number, and Fair Collections as Outsourcing made no attemt to contact me. 
Thanks very much

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 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
In XX/XX/2026, I accepted a settlement offer of {$3000.00} from Rent Recovery Solutions LLC for a collection account reported on my XXXX credit report. XXXX of XXXX, I called the company to request written confirmation of the settlement terms. 

They told me that normally they do not provide written confirmation and that a manager would need to approve it. The representative stated that if I made the payment via XXXX today, they could provide the written confirmation. I said I was willing but asked if I could send the XXXX payment on Monday because im at work. 

I also asked if I could make the payment online instead of XXXX while im at work, as I did not have time to use XXXX that day. I reiterated that I was willing to pay. The representative responded in a very rude manner and stated that if I did not pay via XXXX immediately, the settlement offer would be withdrawn. This behavior was unprofessional and coercive. 

The company then withdrew the settlement offer. 

I am requesting CFPB intervention to ensure that the company provides proper written confirmation of the settlement terms so I can safely resolve this debt.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
Hello, Please help me to solve my issues with this Merchant Processing company SQUARE MERCHANT SERVICES and the are holding my payouts without any detailed explanation, even though they did charge me the processing fee and because of this I ended up with very bad financial difficulties. I can't pay my rent and all my credit cards because of this company. Please help me to solve this issue within XXXX Business Days. 

Receipt # XXXX Completed Paid Details CustomeR Phone XXXX Email XXXX Created XX/XX/year>, XXXXXXXX XXXX XXXXource Invoices Channel Invoice Sales Receipt XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX$7700.00} Subtotal {$7700.00} Total {$7700.00} Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Show more {$7700.00} Paid Activity Order Completed XX/XX/scrub> XXXX XXXX XXXX XXXX  Payment Received- {$7700.00} XX/XX/year>, XXXX PM Thank you, XXXX XXXX XXXX XXXX  is registered under this email address, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I opened a Wells Fargo checking account online on XX/XX/XXXX under a {$320.00} promotional offer. The online system required me to go in branch to finish opening, which I did. The Banker assured me the bonus would be taken care of. The bonus did not post. When I contacted Wells Fargo in XXXX, I was told by a Wells Fargo representative that I qualified for the promotion and that payment could take up to 30 days. I waited the full timeframe and the bonus was still not paid.Since then, Wells Fargo escalation has stated the promotion does not appear in their system, and the XXXX and XXXX manager have not returned my calls. I complied with all instructions and requirements, but Wells Fargo has failed to honor the advertised promotion.When I contacted Wells Fargo corporate XXXX, I was told that the bonus did not post because it may not have been entered correctly by the XXXX  banker. This was not due to any action on my part. I followed all instructions, including contacting the branch as required, but the bonus has still not been paid.

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 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of a late fee and interest charges on a recently closed credit card account. 

Upon closing the account I requested a paper copy of the bill for payment which I did not received. Upon recent of a late payment email. I called to make my payment only 2 days late, and I paid the balance immediately. Capital One still charged both a late fee and interest, and I requested a one-time courtesy adjustment. 

I spoke with customer service and escalated to a supervisor, but they refused to provide any courtesy waiver or goodwill adjustment, despite the short delay and immediate payment. 

I am requesting that Capital One reverse the late fee and any interest charges associated with this 2-day late payment as a one-time goodwill adjustment, and confirm the account reflects paid in full with no past-due status. 

Resolution requested : refund of the late fee and interest charges, and written confirmation that no negative credit reporting will occur for a payment that was less than 30 days late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
I received a collections notice XX/XX/XXXX for an amount that I never received from XXXX XXXX  of Florida. I immediately called the Dentists office and explained this issue. The person on the phone told me they had a billing personnel change that is causing these types of issues. The person confirmed the collections was for an old balance that was " discovered '' by the new billing employee. I asked for the backup to this and for a signed letter with proof that the balance was removed from the Collections agency. I never received this. Since then, I have called, texted and left voicemails numerous times following up requesting this information. My husband also called and requested this information. After a month of calling, I reverted to only using their messaging portal because I want all communications documented. Those messages are attached. 

None of the requested information has been provided to date and it's now XX/XX/XXXX. I spoke to the collections agency and they notified me that the dentists office cancelled the first collections and reissued a new collections to the same agency for an even higher amount. All of this has been done without any notice from the dentists office and with XXXX call backs or responses to my messages sent to their portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding JPMorgan Chase Banks refusal to allow me to open a childs account for my XXXX daughter due to an unrelated account issue that was created without my consent and outside of my control. 

In or around 2017, while I was a XXXX parent, I opened a custodial account at Chase for my niece when she was XXXX XXXX XXXX. I was the custodian on the account solely because she was a minor at the time. When she turned XXXX, Chase automatically converted the account into an adult account and kept me listed as a co-signer or joint party without my knowledge or permission. I was never informed of this change, nor did I authorize continued responsibility once she became a legal adult. 

Shortly after turning XXXX, my niece moved out. Tragically, her mother passed away, and we lost contact with her. During this time, Chase allowed my niece to overdraft the account by more than {$300.00}. I was not notified of the overdrafts in real time, had no access to the account activity, and had no ability to prevent the overdraft from occurring. 

Now, years later, Chase is requiring that I pay this overdraft balance before allowing me to open a First Banking or childs account for my own XXXX daughter. This is unreasonable and inappropriate. I should not be held financially responsible for an adult account that Chase unilaterally converted without my consent, especially when I had no relationship, contact, or control over the account holder at the time the overdraft occurred. 

Chases actions effectively penalize me for acting as a XXXX parent and for opening a custodial account in good faith. Their refusal to allow me to open an account for my minor child unless I pay a debt that I did not authorize and was not properly notified about is unfair and places an undue burden on my family

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
The consumer is being pursued in court for a personal credit card account allegedly acquired via merger between XXXX and Capital One. However : No legally sufficient proof of ownership has been provided. The plaintiff has failed to present a valid, signed agreement, chain of title, or any verifiable account-level assignment to show standing. 

Only generic statements were sentno contract, no charge-off details, and no signed agreement. 

The lawsuit was filed without clear proof that XXXX transferred the specific account to Capital One, as required under federal merger and assignment standards. 

Plaintiff is attempting to collect without validating the debt, despite requests. The consumer has not received proper disclosures or validation of the account under the FDCPA. 

Misleading and Conflicting Statements The consumer previously submitted a request for information regarding the merger to the Office of the Comptroller of the Currency ( OCC ). In their official response, the OCC stated that : The OCC does not maintain account-level records and can not confirm the assignment or ownership of individual debts. 

This underscores the need for account-specific evidence from the creditor. To date, none has been provided. 

Violation Summary The consumer alleges potential violations under the following statutes : Fair Debt Collection Practices Act ( FDCPA ) collection actions taken without proper validation. 

Fair Credit Reporting Act ( FCRA ) if account is being reported without verification. 

Truth in Lending Act ( TILA ) if interest, charges, or statements were incorrect or misleading.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) initiating legal action without legal standing or proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I had money paid to my me by one of the companies I work for I was told that XXXXXXXX XXXX XXXXg means that I have liquid assets this statement was posted to my account before it got closed for In activity my savings account I have picture proof that the bank excepted my payment an the transaction posted but they didn't state the available balance of the funds.

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