vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am submitting this complaint regarding inaccurate, duplicated, and inconsistent reporting of the following account : Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX After reviewing my credit reports, I have identified serious discrepancies between Experian and Equifax that indicate this account is being reported inaccurately and possibly duplicated, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i. The following errors were found : 1. Conflicting Account Status Between Bureaus : Experian reports the account as Closed / Collection-Chargeoff Equifax reports the account as Open with Late Payments ( Late XXXX Days ) This is a direct contradiction. An account can not be both open and closed at the same time. 2. Discrepancy in Dispute Status : Experian : Account not disputed Equifax : Account disputed/ reinvestigation in progress This inconsistency proves the account is not being reported accurately across bureaus. XXXX. Inconsistent Creditor Classification : Experian reports Bulk Purchase Finance Equifax reports Factoring Companies This indicates unclear ownership and improper classification of the account. 4. Different Reporting of Remarks : Experian states : Account seriously past due/ assigned to attorney or collection agency Equifax states : Consumer disputes reinvestigation in progress These remarks conflict and suggest improper and incomplete reporting. 5. Payment History Inaccuracy : Experian shows an extensive history of Charge-Off ( CO ) across multiple months Equifax shows late payments but not consistent charge-off history This inconsistency reflects unreliable and inaccurate reporting. 6. Missing Reporting on XXXX ( Possible Duplication Issue ) : This account does not appear on XXXX, which raises concerns about incomplete or selective reporting and potential duplication with another account. 7. Lack of Proper Validation : There is no evidence that this account has been properly verified with full documentation, including a signed contract, complete payment history, or proof of ownership by 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 explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Debit collector : BRIDGECREST XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX Account number : XXXX Dear XXXX, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization. asserting that I owe a debt of {$1500.00} related to Account XXXX XXXX. XXXX. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditor 's name and contact information. XXXX. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor. XXXXFull Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. XXXX.Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt. Documentation on Your Licensing : Please furnish me with your agency : censing and registration information, as required by the relevant state and federa Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within XX/XX/XXXX days of receiving this letter. Failure to provide the requested information within this time frame will be considered a Sincerely. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I am a veteran with a {$110000.00} annual income and a credit profile that is currently recovering ( XXXX XXXX : XXXXXXXX XXXX XXXX XXXX ). I am filing this complaint because Bridgecrest is inaccurately reporting late payments and my closed account # XXXX, despite my having adhered to signed Extension Agreements that kept the account current. I have attached a 'Master PDF ' containing the signed Extension Agreements and the final Lien Release . These documents prove that the payments Bridgecrest is reporting as 'late ' were actually covered under the agreed-upon extensions. This reporting error is artificially suppressing my XXXX XXXX XXXX score ( currently XXXX ) and is directly hindering my ability to finalize a vehicle lease scheduled for XX/XX/year>. I am requesting an immediate manual correction of my payment history to reflect 'Current/Paid as Agreed ' for the periods covered by the attached extensions. Given the time-sensitive nature of my pending vehicle purchase, I am requesting an expedited review

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
I just discovered a garnishment out of XXXX XXXX Missouri on me that I was never notified about the debt from the information I have been able to find. I never did business with the XXXX XXXX XXXX XXXX that XXXX XXXX XXXX XXXX is representing. The address of file is false and incorrect. They went through a court procedure that I was never notified of and I have no idea what to do or how to correct this without being wrongfully garnished or present myself to harassment or other unfair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am a federal student loan borrower serviced by MOHELA. I have been attempting to review my account to confirm the accuracy of my payment history and eligibility for forgiveness programs, including XXXX and/or XXXX. On around or around XX/XX/year>, I reviewed my account through StudentAid.gov and MOHELAs platform and was unable to clearly verify my qualifying payment count or eligibility status. The information provided appears incomplete and/or inconsistent. I have been employed full-time at a qualifying employer and want to ensure all eligible payments are properly counted toward XXXX. I have requested clarification and a full accounting of my payment history, but have not received clear or sufficient information confirming whether all qualifying payments have been properly counted. Given the widely reported servicing issues and concerns involving MOHELA, I am concerned that my account may contain errors that could impact my eligibility for loan forgiveness. I am requesting a full audit of my account, including : - Accurate count of all qualifying payments - Review of eligibility for XXXX and XXXX forgiveness - Correction of any errors or discrepancies I would like written confirmation of my status and any necessary corrections.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-05 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: MN

Complaint narrative:
I attempted to dispute two charges with XXXX regarding a misleading third-party website related to XXXX. However, XXXX refused to open or process a dispute, stating that I agreed to the charge and received the service. This situation involves deceptive and misleading business practices, not simple valid transactions. The website was designed in a way that rushed the user into completing the form and payment without clearly presenting important information upfront. When I entered the site, the main page immediately directed me to start filling out the application and proceed to payment. There was no clear or prominent disclosure that this was a third-party service before payment. Due to the urgency of travel, I completed the form and payment quickly. Only after submitting the payment and waiting for the result did I notice small text at the bottom indicating that it was a third-party website, along with additional terms hidden behind links. This information was not clearly visible or reasonably presented before payment. I would not have agreed to this transaction if it had been clearly disclosed. I was charged {$95.00} per person as a processing fee and an additional {$39.00} per person for " expedited processing, '' totaling {$130.00} per person. However, the official XXXX website charges only about {$30.00} per person, and the processing time is already very fast ( typically within 2 to 8 minutes ) without any expedited fee. The so-called " expedited processing '' fee is misleading because the official service already provides results quickly, making this additional charge unnecessary and deceptive. Immediately after realizing the issue, I searched online and contacted the company within about two hours to request a full refund. The company only issued a partial refund of about {$30.00} per person ( approximately {$60.00} total ) and refused to provide a full refund despite my explanation that the website was misleading. I then contacted XXXX to dispute the remaining charges, but they refused to open or process the dispute. I asked XXXX to open and process a dispute and to explain their refusal, but they did not provide a reasonable resolution. I am filing this complaint because XXXX refused to properly handle or investigate this dispute. I am requesting that XXXX review this case as a misleading and deceptive transaction rather than a valid authorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have XXXX checking and XXXX savings account with Citibank. On Friday, my card stopped working. I called the bank to inquire what the issue was and was told that according to their " terms and conditions '' they could sever the banking relationship, which is what they had chosen to do. They wouldn't give me any reason as to why this decision was made, only to what seemed to be reading off of a script that they would send a letter to the last address on file and a check for the remaining funds within 60 days. I explained to them that this was all the money I had to live on, but they continually read that same message I shared earlier. I asked to speak to a manager, and got the same response. I also tried to explain to them that I no longer live at that address, I am currently XXXX a XXXX in XXXX, and will be here through the end of XXXX. I'm not convinced they even made the change to my address because at this point, there is nothing I trust this bank with. They have taken my money that I use to SURVIVE and won't release it to me. I asked them to overnight it to me where I am staying since there are no branches here and again was shut down. It is like I hit a brick wall everything I request of them. I have done nothing wrong with this bank, I don't write checks, I don't do anything sketchy, yet they have decided to shut my life down and they don't have to give me any reason or any way to withdraw the money that is MY MONEY sitting in their bank. I can't pay my bills, get my medicine I need, or just live because they have left me with nothing. Please help me hold them accountable and get my money from them.

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 2026-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting a rebuttal to the response provided regarding my dispute of the XXXX XXXX XXXX account ( Account XX/XX/XXXX), which is currently reporting a balance of approximately {$19000.00}. The response states that the account was verified as accurate, however, no documentation or evidence was provided to support this conclusion. This does not meet the requirements of a reasonable investigation under the Fair Credit Reporting Act. Under 15 U.S.C. XXXX ( a ), Equifax is required to conduct a reasonable reinvestigation. Simply relying on the furnishers verification without providing supporting documentation is insufficient. Additionally, there are significant concerns regarding the accuracy and completeness of the reported balance and account details, including : No documentation showing how the reported balance of {$19000.00} was calculated No evidence of the repossession, sale, or auction of the vehicle No breakdown of any alleged deficiency balance after the sale of the collateral Continued reporting activity despite the account being charged off Potential inconsistencies in payment history and account status Under 15 U.S.C. XXXX ( b ), Equifax is required to ensure maximum possible accuracy. Without documentation supporting how this balance was determined, the account can not be considered verified. I am requesting : The method of verification ( MOV ), including the name, address, and contact information of the party that verified this account All documentation used to verify this account, including the original signed contract, complete payment history, and repossession records Documentation showing how the balance of {$19000.00} was calculated, including any credits, payments, or proceeds from the sale of the vehicle Proof of compliance with 15 U.S.C. XXXX ( b ), confirming the furnisher conducted a reasonable investigation If this information can not be provided, this account must be deleted as unverifiable under the FCRA. Thank you.

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 2026-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
The bill of sale and the installment agreement look to be inaccurate. Please note that taxes were already paid once on the installment agreement in the amount of XXXX, making the cash price of the car total XXXX. But on the bill of sale, I was charged again for taxes, and the cash price on the car also should have been XXXX ( top line ) because I paid {$3000.00} down. None of this is adding up correctly. My interest rate is already 20 %, so even a small amount that is different will cause me to have to make at least XXXX more car payments that I should not have to be making due to their mistake at the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: NY

Complaint narrative:
When booking tickets with XX/XX/XXXX website through Klarna. I selected the dates I wanted, but the system changed my return date that I did not authorize. I am requesting for the third-party to refund my whole ticket price. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: NC

Complaint narrative:
On XX/XX/scrub> 2026, XXXX unauthorized transactions totaling {$2300.00} were made at XXXX using my debit card. I was at work during the time of these transactions. I did not make these purchases, nor did I authorize anyone to use my card. My debit card had been lost the same day at XXXX after i loaded it i believe. The Card was no longer in my possession at the time of the charges. I filed disputes with Netspend for XXXX of the transactions : Dispute XX/XX/XXXXXXXX XXXX separate transactions, XXXX for {$800.00} ( XXXX different transactions ) at XXXX XXXX for XXXX at XXXX on XXXX XXXX2026 as well. This is a clear case of unauthorized use under the Electronic Fund Transfer Act ( Regulation XXXX ). Under Regulation XXXX XXXX, the bank is liable for all unauthorized charges that occur after I reported my card lost or stolen, and for any charges where I did not provide authorization. I request that these fraudulent charges be reversed immediately, as they were neither authorized by me nor benefited me in any way.

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 2026-04-05 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: EdFinancial Services
State: MD

Complaint narrative:
The company continues to report thousands of dollars in accumulated interest to all XXXX credit bureaus while failing to report my recent payments. My credit report incorrectly shows my last payment was made in XXXX, even though it is now XXXX. Additionally, my student loans were forgiven under the XXXX XXXX XXXX XXXX ( XXXX ) program ; however, just XXXX days ago, the organization added interest to my account and is now reporting a higher balance to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: CA

Complaint narrative:
I am filing a complaint regarding the handling of my Membership Rewards points by American Express. My American Express checking account was closed in XX/XX/XXXX. At that time, I was not informed that my Membership Rewards points would be forfeited upon account closure. However, after the account was closed, my Membership Rewards balance ( approximately XXXX points ) continued to appear in my account and mobile app for several months. During this time, including the XXXX period, I contacted American Express multiple times regarding using my points ( including inquiries about booking travel ). At no point during these interactions was I informed that my points had been forfeited or were no longer available. Because the points continued to be displayed in my account, I reasonably believed that they were still valid and available for use. In XX/XX/XXXX, after linking my accounts, the points suddenly disappeared. I contacted American Express, and a case ( reference number XXXX ) was created for a Membership Rewards discrepancy and XXXXtime courtesy review. I was advised that this review would take XXXX days. However, after more than XXXX days, I followed up and was told that there would be no review and that the points were forfeited when the checking account was closed. This situation is concerning because : My account continued to display the points for months after they were allegedly forfeited I was never clearly informed that the points were forfeited I relied on the information shown in my account and on guidance from customer service I believe this constitutes misleading or inaccurate account information and a failure to properly notify me of the forfeiture of my rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the following account being reported on my credit file : Creditor : CNACAccount Number : This account is currently reporting as a charge-off/collection with a history of severe delinquency. However, after reviewing my credit report, I have identified multiple inconsistencies and potential violations of the Fair Credit Reporting Act. Specifically : The account reflects conflicting information, including a {$0.00} balance while simultaneously indicating collection/charge-off status. The reporting includes statements that the account was transferred to another lender, yet no corresponding, properly identified account is being reported with complete and verifiable details. The payment history contains incomplete and/or unverifiable entries, including periods marked as unknown or inconsistent with the reported status. There is no documentation provided that validates the full payment history, charge-off calculation, or transfer of ownership. Under the Fair Credit Reporting Act, you are required to ensure that all reported information is accurate, complete, and verifiable. I am requesting that you conduct a reasonable investigation and provide : A complete account history, including all payments and delinquencies Documentation supporting the charge-off and any transfer/sale of the account The identity of any third party to whom the account was transferred Verification of the accuracy of all reported dates and statuses If you are unable to provide sufficient documentation to verify this account in full, I am requesting that this account be deleted from my credit file immediately. Please note that reporting incomplete or unverifiable information constitutes a violation of federal law. I expect a response within the XXXXday timeframe required by law.

Company response to consumer: Closed with explanation