vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
I am submitting this formal dispute regarding a {$940.00} balance being reported under my name by XXXX. This account does not belong to me, I did not open it, did not authorize it, and do not owe this debt. 

Despite disputing this matter multiple times, the account continues to reappear on XXXX or more of my credit reports, which constitutes an ongoing violation of federal consumer protection laws. 
I have never opened, authorized, or benefited from a XXXX account associated with this alleged debt. 

I have repeatedly disputed this account with the credit bureaus. 

Each time, the account is either improperly verified or reinserted without valid proof. 

XXXX has failed to provide competent evidence showing I am the lawful account holder. 

This inaccurate reporting has caused financial harm and credit damage. 
Under the FCRA : 1681c ( a ) prohibits the reporting of inaccurate or unverifiable information.

1681s-2 ( b ) requires furnishers ( XXXX  ) to conduct a reasonable investigation upon dispute. 

1681i ( a ) requires credit bureaus to delete or correct information that can not be verified.

1681i ( a ) ( 5 ) prohibits reinsertion of disputed information without proper certification and written notice. 

XXXX has failed to validate ownership, and the bureaus have failed to ensure accuracy, violating these provisions. 
If this debt is being collected or reported without proof : 1692e prohibits false or misleading representations.

1692f prohibits unfair or unconscionable collection practices. 

Attempting to hold me responsible for a debt that is not mine is a direct violation of the FDCPA. 
Unauthorized / Identity-Related Account Protections Reporting an account that I did not open constitutes : Unauthorized account reporting Potential identity misuse or account fraud Failure to comply with proper identity verification procedures I have no contractual relationship with XXXX  regarding this account.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
my account was fell behind in payments, they offered me a settlement of {$420.00} in which i agreed, to make XXXX equal consecutive payments of $ XXXX set up auto pay for XXXX, XXXX XXXX to withdrawn from my account. The last payment was not submitted from them, and in XXXX they sold my account stating i broke the agreement. None of this is true. once learning that they turned my account to a collection agency, they refused to take my payment to close the account. i did not receive any communication from them in regard to the payment. was told that it is nothing that they can do for me. The collection agency is now looking for the entire balance of {$1000.00}. i have filed a dispute with them to look into why the XXXX payment was not drafted, i was told the account is no longer with them and they can not assist me at all. i've reached out to them several times to file a dispute and i was told it will investigated and resolved. i called again for the XXXX time and was told by a supervisor, they can only file a dispute, but not do anything about this matter.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
Financial Institution : Arvest Bank Product : Checking account Issue : Unauthorized electronic funds transfer / Fraud On XX/XX/year>, unauthorized electronic funds transfer of {$2500.00} from my personal checking account at Arvest Bank was logged. The funds were transferred internally to another Arvest account I do not recognize. I did not authorize this transaction and did not benefit from it. 
I attempted to obtain written confirmation of my Regulation E claim at a local branch. The branch refused to provide written acknowledgement of claim classification or provisional credit timelines and incorrectly stated that provisional credit would only be issued after the investigation is resolved. I was also denied access to a branch manager or assistant manager. 
The transfer was internal ( Arvest-to-Arvest ), and the recipient account is identifiable by Arvest. I am requesting immediate compliance with Regulation E, including provisional credit and written confirmation of the investigation status. As of today, Arvest has not issued provisional credit. 
I visited the local branch on Friday, XX/XX/XXXX ; Monday, XX/XX/XXXX ; Tuesday, XX/XX/XXXX ; and Wednesday, XX/XX/XXXX regarding this matter. I spent over XXXX hour at the branch on XX/XX/XXXX and approximately XXXX to XXXX minutes during each of the prior visits. 
On XX/XX/XXXX, I also provided the branch with a written Formal Notice of Unauthorized Electronic Funds Transfer. I was advised that I would receive an email response the following day, which I did not receive. 
In addition, on Monday, XX/XX/XXXX, I spent over XXXX hour on the phone speaking with XXXX different representatives from the Arvest Bank Contact Center and XXXXXXXX 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 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I talked to Care Credit on XX/XX/year> about why the interest rate is 32 %. Especially for someone who has a good credit score. I was told the following I'm sorry for the inconvenience this has caused. We understand your interest in having your Annual Percentage Rate lowered, unfortunately, this is the standard rate on all accounts. 
I stated I will be reporting this as it is predatory. How can a company have a 32 % interest rate and dont follow what the applicant has as credit. Very predatory and ashamed that this has been allowed.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: AL

Complaint narrative:
SOURCE RECVB is falsely reporting on my credit. I have never had any accounts with them. Per my research SOURCE RECVB 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 explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I deposited a {$12000.00} check into my Capital One account last Friday. 

These bank aromatically Contacted me by email with a generic message they use for my past checks that have posted successfully - saying they had reason to suspect the funds may not clear and put the check on hold for XXXX days. 

On Tuesday ( the XXXX day ), the app said {$270.00} was available but it wasnt the next day ( the XXXX day ), the app said {$6700.00} was showing available but it wasnt -so I called them. 

The app on Wednesday also says the total amount should be available Thursday, but an email says I will get the total funds Friday. 

When I called Tuesday, a rep said that they sent an email to the senders bank Tuesday and were waiting to hear back from the bank who wrote the check and it usually takes one business day. 

When I called Wednesday the rep said she couldnt give me any info and they are uncertain why the teller told me that. Each time I call they require I give my social security number over the phone. 

basically them not giving me the initial {$270.00} money that youre supposed to give by law according to the Expedited Funds Availability Act and Regulation CC is a big issue with me. 

Plus, the app says XXXX thing the email says another as maybe to cover their unlawful actions with fake posted info that doesnt materialize. 

Ive been them for XXXX years. Ive never had an overdrawn amount. Theres nothing. Except XXXX customer loyalty and worst customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I am filing a complaint regarding my experience with OneMain Financial related to the handling of my loan account. On or around XX/XX/year>, I contacted OneMain Financial regarding [ billing issue/payment dispute/loan terms/fees/communication issue ]. Despite my efforts to resolve the matter, including contacting customer service on XXXX 2026 and making payments or providing requested information in the amounts of approximately {$10.00} - {$220.00}, the issue has not been resolved. OneMain Financials actions have resulted in confusion, inconsistent information, and financial harm. I am requesting a clear explanation of the account activity, correction of any errors, and appropriate resolution of this matter in accordance with consumer financial protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
SUMMARY : Fifth Third Bank has held {$130000.00} in insurance proceeds for XXXX weeks without applying the funds to pay off my {$63000.00} mortgage balance. Interest continues to accrue while the bank refuses to apply available funds. 

BACKGROUND : I experienced a property fire at XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. My insurance company issued a check for the full replacement cost ( {$130000.00} ). This check was sent to Fifth Third Bank 's Loss Draft Department and was received on XX/XX/XXXX. 

My remaining mortgage balance is {$63000.00}. The insurance proceeds are more than sufficient to pay off the mortgage in full. 

CURRENT STATUS : As of XX/XX/XXXX, Fifth Third Bank 's online portal shows the {$130000.00} as an " unapplied credit. '' Despite having these funds for approximately XXXX weeks, the bank has not applied them to my mortgage. Interest continues to accrue on my balance. 

FAILED ATTEMPTS TO RESOLVE : Since XXXX XXXX, I have contacted Fifth Third Bank customer service XXXX separate times to request that the credit be applied to pay off my mortgage : XXXX. First call ( XXXX XXXX ) : Representative promised resolution in XXXX days. Request was rejected. 
XXXX. Second call ( late XXXX XXXX XX/XX/XXXX ) : Representative again promised resolution in XXXX days. Request was again rejected. 
XXXX. Third call ( XX/XX/XXXX ) : Representative promised resolution in XXXX days. Request was rejected a third time. 

During each call, I was transferred between customer service, the Loss Draft Department, and the Mortgage Department. Representatives gave inconsistent explanations and could not tell me why my request kept being rejected. 

HARM : - Interest continues to accrue on {$63000.00} when my mortgage should have been paid off on XX/XX/XXXX - XXXX am being denied access to {$68000.00} in excess insurance proceeds that belong to me- I have spent hours on the phone being transferred between departments with no resolution - The uncertainty is causing significant stress during an already difficult time following a property fire REQUESTED RESOLUTION : XXXX. Immediately apply the {$130000.00} insurance credit to pay off my mortgage XXXX. Remit excess funds ( approximately {$66000.00} ) to me XXXX. Refund all interest accrued since XX/XX/XXXX XXXX. Waive any late fees or penalties assessed during this period XXXX. Provide written explanation of why this occurred NOTE : I am aware that Fifth Third Bank was fined {$20.00} XXXX by the CFPB in XX/XX/XXXX for consumer protection violations. This experience suggests the bank continues to have systemic problems with proper handling of consumer accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I received multiple phone calls from this company and they even try reaching out to my my family members. I have been a victim of identity theft and I do not believe this debt belongs to me.

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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I am a TDBankDoubleUpCreditCard customer. I need a copy of the complete CardmemberAgreement that includes the bindingarbitrationprovision ( Section14ResolvingDisputesbyArbitration ). 

The publicly available documents on TDBanks site and the CFPBs database show only rate andfee disclosures without the arbitration or disputeresolution terms.Im involved in a consumerarbitration matter and must verify the specific language referencing administration bytheAmericanArbitrationAssociation ( AAA ) andTDBanks responsibility for filingfees. 

I respectfully request that TDBank provide the full, current CardmemberAgreement applicableto the TDDoubleUpCreditCard, includingthe arbitration provisions, and that the CFPBensureTDBank complies with its disclosurerequirements under12CFR1026.58.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: NY

Complaint narrative:
This complaint concerns PNCs handling of my HELOC loan. PNC has suspended my ability to relock my HELOC, which currently has a variable rate of about 9.68 % and a locked portion at approximately 9.58 %. PNC claims the suspension is due to concerns about my ability to repay, despite never have missed a payment. When marketed, PNC did not disclose that relocking would be impossible if the line was suspended. I informed PNC of a correction on my credit report, but they were uninterested.

It seems counterintuitive that, if PNC doubts my repayment ability, they would not allow me to relock at a lower rate to improve repayment likelihood. My only request is to retain the option to relock as rates decrease ; I do not wish to use additional funds.

I find PNC 's practices unfair and deceptive, as these terms are neither fully disclosed nor consistently applied. I also believe there may be discriminatory elements involved. Please review this complaint and PNC 's management of the HELOC portfolio, particularly their criteria for suspending client accounts, as the approach does not appear equitable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/2025 I took a Loan from Affrim, Loan ID XXXX to make a purchase from XX/XX/XXXXXXXX did not have many of my items so I cancelled the loan on XX/XX/2025. Affrim is still charging me the loan and trying to make me pay for something I cancelled. 
I have all documents proving this. Affrim will not let me file a dispute. Their site prvents it everytime. I have called and am disconnected when I ask to speak to a supervisior. I have been denied email to address this in writing. I have contacted XXXX many times and they have sent proof they released the cancelled order. 
I need help please.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am just a consumer that is trying to fix my credit. I am disputing the following items on my TransUnion credit report because I believe they are inaccurate, incomplete, or not properly verified in accordance with the Fair Credit Reporting Act ( FCRA ). Several of these accounts are being reported with conflicting dates, balances, or creditor names compared to other bureaus. I am requesting that TransUnion investigate each item thoroughly and delete any information that can not be fully verified. 

Charged-Off Accounts in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-01-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was incorrectly assigned to my profile.

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 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: CA

Complaint narrative:
I am writing to you today to demand immediate action regarding the unauthorized, inaccurate, and fraudulent accounts and inquires that have been erroneously associated with my credit profile. Pursuant to the Fair Credit Reporting Act ( FCRA ) and relevant sections including U.S.C. Code 1681a, c and 605b, as well as the Affidavit of Truth laws, it is imperative that you promptly address and rectify these egregious discrepancies. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be No discrepancy on the fraudulent accounts listed by me. I believe my information was comprised in the XXXX  XXXX breach and or Transunion. I am not working with a credit repair company so please stop sending me stall letters. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXX/XX/XXXX This is a fraudulent inquiry that I was not extended credit too nor gave written consent for XXXX. The inquiry was not authorized XXXX XXXX XXXX XX/XX/XXXX This is a fraudulent inquiry that I was not extended credit too nor gave written consent for XXXX. The inquiry was not authorized XXXX  XXXX XX/XX/XXXX This is a fraudulent inquiry that I was not extended credit too nor gave written consent for XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXX/XX/XXXX This is a fraudulent inquiry that I was not extended credit too nor gave written consent for XXXX. The following account is not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX The following account is not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinve tigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian XXXX XXXX XXXX XXXX XXXX XXXX  I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF XXXX XXXX XXXX XXXX XXXX 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