vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint regarding the conduct, collection practices, and credit reporting activities of XXXX XXXX XXXX and/or XXXX XXXX XXXX concerning an alleged consumer debt that I formally dispute. XXXX has engaged in collection and/or credit furnishing activity regarding an account that has not been properly validated despite my dispute and requests for verification. The information being reported and/or collected appears inaccurate, incomplete, misleading, and unsupported by competent documentation. I requested proper validation of the alleged obligation, including but not limited to : * the identity of the original creditor, * the complete account history, * the amount allegedly owed, * proof of assignment or lawful transfer, * proof XXXX possesses the legal right to collect, * and documentation bearing my signature or otherwise establishing liability. Despite these requests, XXXX has continued collection activity and/or furnished information to consumer reporting agencies without providing sufficient evidence to substantiate the debt or verify the accuracy of the information being reported. Additionally, XXXX reporting and collection activity has caused ongoing harm to my consumer credit profile, financial standing, and ability to obtain fair access to credit. Furnishing disputed or unverifiable information while failing to conduct a reasonable investigation may constitute violations of federal consumer protection laws. I believe XXXX actions may violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : * 15 U.S.C. 1692e ( false, deceptive, or misleading representations ), * 15 U.S.C. 1692f ( unfair or unconscionable collection practices ), * and 15 U.S.C. 1692g ( failure to provide proper validation of debt ). I further believe XXXX may be in violation of the Fair Credit Reporting Act ( FCRA ), including : * 15 U.S.C. 1681s-2, * and related duties requiring accurate reporting and reasonable investigation of disputed information furnished to consumer reporting agencies. I am requesting a formal investigation into XXXX collection and reporting practices related to this account and demand that all inaccurate, misleading, incomplete, or unverifiable information be corrected or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have been a loyal Chime customer for approximately 5 years. My account was suddenly closed without warning or explanation. Since the closure, I have been unable to access my account statements and financial records for this year. I depend on these records for important personal and financial matters. Despite attempting to obtain my statements and information, I have not been given a clear reason for the closure or proper access to my banking history. I believe it is unfair and unreasonable to deny me access to my own financial records after maintaining an account in good standing for years. I am requesting : Immediate access to all account statements and transaction history Written explanation for the account closure Confirmation whether any negative reporting was made to XXXX or other banking databases Release of any remaining funds if applicable This situation has caused stress, inconvenience, and potential financial harm. I request that Chime respond promptly and resolve this matter fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am submitting a complaint regarding a Chase Secure Banking promotional bonus that Chase has failed to honor despite my reliance on information provided by a Chase banker during the account opening process. On XX/XX/year>, I opened a Chase Secure Banking account in person at a Chase branch after discussing the {$120.00} promotional bonus with the banker assisting me. During the account opening process, I was informed of the steps and qualifying requirements needed to receive the bonus, and I completed those requirements in good faith. However, at no point was I told that a separate coupon code was required or that any additional enrollment step was necessary to activate the promotion. After opening the account, I completed more than 10 qualifying debit card transactions as instructed. When I later contacted Chase regarding the status of the bonus, I was informed that no promotion was attached to my account. Chase later requested a 16-digit coupon code, which I then provided after locating it in my email. My request was submitted to Chases Research Team, and I was advised I would receive a response within three business days. It has now been over a week without any meaningful resolution, and I continue receiving only delayed responses stating the matter is still under review. I relied on the information and instructions provided by the Chase banker at the time I opened the account. If a coupon code or additional enrollment step was required, that information should have been clearly disclosed during the account opening process, especially since the promotion itself was discussed and the qualifying steps were explained to me. I completed all qualifying activity in good faith believing I was properly enrolled in the promotion. I am requesting that Chase honor the {$120.00} promotional bonus and resolve this matter promptly. I have retained screenshots of my communications with Chase, proof of qualifying transactions, and documentation related to the promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: LA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to provide, upon request, a detailed description of the procedures used to reinvestigate disputed information. I specifically requested the name and contact information of the furnisher, the identity of the individual contacted during the reinvestigation, and the documentation relied upon to verify the accuracy and completeness of the disputed account. The agency failed to provide the requested information within the 15-day period required by law. This failure to disclose the method of verification constitutes a clear violation of the FCRA and deprives me of the ability to determine whether the disputed information was properly and lawfully verified.

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 2026-05-19 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: Incomm Holdings Inc.
State: NY

Complaint narrative:
I bought a vanilla visa prepaid card on XX/XX/year> ( {$25.00} ) ( paid in cash ) when i got home & i activated it and tried to use it but got placed on hold the card. Then i called customer service line and they was not answering and completely unresponsive

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The continued reporting of these inaccuracies is materially damaging my creditworthiness and has directly prevented me from qualifying for a mortgage. This constitutes harm caused by noncompliance with federal law. I demand that these accounts be fully investigated and, if not properly verified with a lawful permissible purpose, permanently deleted from my credit file.

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 2026-05-19 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: PA

Complaint narrative:
I noticed that inaccurately reported accounts are still appearing on my credit reports, and I am extremely frustrated that they have not been removed despite my efforts to address this matter. Because of the stress and anxiety this situation continues to cause me, I am desperately asking that the documents I attached be reviewed carefully and thoroughly so these inaccurately reported accounts can finally be resolved permanently.

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 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received unemployment compensation funds to 5th 3rd bank electronically on XX/XX/XXXX and XX/XX/scrub> 2026 from XX/XX/XXXX treasury dept for totaling {$220.00}. Called regarding funds. Was told that I dont have any account and that funds would be sent back. Never received funds. Spoke toXX/XX/XXXX treasury department and they never received anything back from 5th 3rd bank as of XX/XX/year>!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Company name : XXXX XXXX / XXXX XXXX XXXX XXXX Portfolio Recovery Associates ( File separate complaints if needed ) Complaint : I am filing this complaint regarding fraudulent accounts being reported under my name that I did not open or authorize. The following accounts are not mine and are the result of identity theft : * XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXX ) approximately {$5600.00} * Portfolio Recovery Associates ( Original Creditor : XXXX XXXX Bank XXXX ) approximately {$370.00} * Portfolio Recovery Associates ( Original Creditor : XX/XX/XXXXXXXX ) approximately {$4300.00} These accounts are causing significant harm to my credit profile and ability to obtain housing and credit. I am requesting an immediate identity theft block under FCRA 15 USC XXXX ( Section XXXX ) and removal of all fraudulent reporting related to these accounts. I dispute any claim that these accounts belong to me. If these accounts were verified, I request the method of verification and all documentation showing how the identity was authenticated. I have supporting identity theft documentation and expect prompt correction. Requested resolution : * Delete all fraudulent XXXX XXXX related accounts * Cease reporting inaccurate information * Provide written confirmation of deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I received notification from my bank regarding withdrawal that wasnt authorized from Acima leasing. I called Acima and they were not helpful. Stated that I bought an XXXX from XXXX or it was delivered to my house. Thats a lie I have not been to XXXX in years and no XXXX was sent here. I live alone with my dog. Then I received email saying that I authorized Acima to use my XXXX, I would never and calls are recorded so thats not me. I called XXXX and closed the account because of fraud. So Im confused how someone can or over XXXX in merchandise and get access to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
My Venmo account was suspended around the XXXX of XXXX 2026. I have spoken with several agents and accounts XXXX many times through email, chat and by phone. They keep telling me the escalated my case and someone will reach out to me. They are holding {$560.00}! Each time I try to transfer my money Venmo blocks the transfer. I have sent Venmo my drivers license and bank statements and still they wont release my money. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LoanCare, LLC
State: GA

Complaint narrative:
My dad passed away in XX/XX/XXXX and a probate court has me as the beneficiary of my dads home. I have been making the payments on the home for XX/XX/XXXXyears and now I want the property in my name. I sent them the probate court documentation and was emailed stating that my request would be completed on XX/XX/XXXX. I did not hear back from them and when I called I was not transferred to the XXXX Department, I was told by customer service that they would contact me when completed.

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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The business wrongfully stated that I said " the door may have been left open resulting in the theft of the Covered Purchase. '' I never made such a statement and, in fact, provided the business pictures of the haul truck showing that it was secured with a lock which I have provided in this case. The business falsely stated that " that the police department confirmed they had no record of the report you submitted, report number or incident ''. I provided the business a valid police report which is also attached to this case. I also provided the business a written statement with pictures of the XXXX truck showing that the Items were left in the XX/XX/XXXX with the door closed and locked which is a covered event under the Purchase Protection policy. For unknown reason the business did not want to accept the statement and photos even though the business asked me for those items specifically in order to process the claim. About XXXX weeks ago, American Expressed opened a case in order to resolve purchase protection claim XXXX This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance to the cards benefits guide. I have called and emailed American Express about the complaint, and they are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed this medical collection multiple times requesting verification and documentation. The account keeps being marked as updated without providing any proof, itemized billing, or validation of the debt. I was never notified of this balance by the original creditor and can not verify the accuracy of this account. I am requesting removal if the debt can not be properly validated

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 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SN SERVICING CORPORATION
State: GA

Complaint narrative:
This is a critical update and file supplement to my active CFPB case # XXXX. This is a critical update and file supplement to my active CFPB case. Please link this submission directly to my existing open complaint file against SN Servicing Corporation. I recently filed a complaint because the servicer improperly kept my account locked in a loan modification review loop. They ignored my active home listing agreement and repeatedly demanded XXXX months of business bank statements for a non-existent business ( XXXX independent contract work ). Following my communication and the filing of that complaint, I received a formal letter from SN Servicing Corporation yesterday. The letter explicitly states : " Withdrawn Request or Non-Acceptance of Offer : You have withdrawn the request for consideration ... '' The servicer has now officially processed my modification request as " Withdrawn. '' I accept this status update. Because the property is an active listing on the market, I am proceeding with a traditional property sale payoff. The modification track is formally closed. I am attaching a clear photo of this official letter to this file. I request that the CFPB note my account records. SN Servicing must ensure that no further " incomplete file '' locks or business statement demands delay my future standard payoff request once a buyer is secured. . Please link this submission directly to my existing open complaint file against SN Servicing Corporation. I recently filed a complaint because the servicer improperly kept my account locked in a loan modification review loop. They ignored my active home listing agreement and repeatedly demanded XXXX months of business bank statements for a non-existent business ( XXXX independent contract work ). Following my communication and the filing of that complaint, I received a formal letter from SN Servicing Corporation yesterday. The letter explicitly states : " Withdrawn Request or Non-Acceptance of Offer : You have withdrawn the request for consideration ... '' The servicer has now officially processed my modification request as " Withdrawn. '' I accept this status update. Because the property is an active listing on the market, I am proceeding with a traditional property sale payoff. The modification track is formally closed. I am attaching a clear photo of this official letter to this file. I request that the CFPB note my account records. SN Servicing must ensure that no further " incomplete file '' locks or business statement demands delay my future standard payoff request once a buyer is secured.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I spoke with someone from XXXX XXXX in 2024. I told them that this was not my debt and it needed to be removed from my credit. Some gentlemen from XXXX XXXX told me to stop the XXXX because this is your bill. I told him that I needed to speak with his supervisor because 1 this is not my bill, and 2 you should not be cursing at anyone over the phone. He told me that this bill should've been paid already, and I told him it hasn't been paid because it's not mine. So, I asked for the original contract and all the documentation for this debt. I asked him for the date this debt first became delinquent and who held the original debt. He told me that I already knew. I told him, if I already knew, I wouldn't be asking you for it. Please send me the information that I am requesting, sir. Please send me the documentation that you have the legal right to collect on this debt. Please send me the XXXX regarding this debt. I need an itemized statement, the original contract, the title, your legal rights, and the date of the XXXX delinquency. If you can not provide this information, please delete this from my credit. I also advised this young man that my information had been stolen in a data breach, and he told me that it was my problem.

Company response to consumer: Closed with explanation