vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 
I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with EXPERIAN , the following fraudulent accounts remain on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 
I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet EXPERIAN continues to report them as mine without proper validation. 
I respectfully urge the CFPB to intervene and ensure that EXPERIAN complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmation of such action.

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 2026-01-19 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: FL

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of collection accounts that are inaccurate and do not belong to me. I regularly review my credit reports and recently identified discrepancies that were not previously present. These accounts were reported without my knowledge or authorization.

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 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood sent me a card that I've never been able to activate. I've never used it. It arrived two months ago, in XXXX XXXX They were sending me {$25.00} bills a week, and I've been checking this, and now the debt is {$50.00}. Besides the fact that it doesn't work in the app, there's no way to get a response from them, but they do send me messages every two days saying my account is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Checking out in store at a XXXX XXXX XXXX XXXX, a cashier mumbled something about rewards points then asked for an ID, said " just say yes on the screen '' and then walked away to another customer. When he returned he said " you'll get a card in the mail, you're purchase will be on the card ''. At no point did he audibly use the words " credit card '' or '' credit check ''.

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding is reporting a collection account without providing proper debt validation. I have not received proof that LVNV owns this debt, proof of assignment, or documentation of the original account terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Unaware of this dept. I would like this removed from my credit report and any negative transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter XXXX has engaged in repeated and excessive telephone calls to me, often exceeding XXXX calls per day. I have clearly and repeatedly requested that all telephone communication stop and that all contact be made in writing only. Despite this, the calls have continued. 

During multiple calls, representatives have yelled at and screamed at me. On at least XXXX occasion, I was subjected to a XXXX slur by a representative of Exeter XXXX. This conduct is unacceptable, abusive, and unprofessional. 

In addition, my account reflects numerous fees that were not clearly disclosed, explained, or agreed to. I have requested clarification but have not received a complete written breakdown or justification for these charges. 

I am requesting that Exeter XXXX immediately cease all telephone contact, conduct an internal review of representative conduct, provide a full written explanation of all fees on my account, and correct any improper or undisclosed charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I've been getting calls from different numbers, but they show up on caller ID as Credence. The calls have been since XX/XX/year>. The phone numbers that I am getting calls from are XXXX and XXXX. I searched online and apparently this is a debt collector but I've never received anything in the mail indicating I owe or have something in collections. Recently they've been leaving weird voicemails where they they keep saying hello in Spanish but don't identity themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I opened a new checking account with Sofi Bank. On XXXX separate occasions I transferred money from my XXXX account to my XXXX checking account. 
XX/XX/XXXX XXXX transfer of {$62.00} with a trace ID number XXXX XX/XX/year> transfer of {$150.00} with a trace ID number XXXX XX/XX/year> transfer of {$110.00} with a transfer ID number XXXX. 
I have provided Sofi Bank numerous times with this information, and still to this day keep getting the runaround. They keep asking me for the same information that I have provided more than enough times and refuse to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio has failed to provide full and proper validation as per FDCPA XXXX XXXX XXXX ( XXXX ). 
I mailed the first validation request on XX/XX/year> certified mail # XXXX and an addendum on XX/XX/year> certified # XXXX Both letters were received and signed for. 
I made it clear that I have never received the Initial Notice under XXXX XXXX XXXX Notice for validation of debts and request proof of delivery if this is a matter that Portfolio Recovery disagrees with. 
At this time this debt buyer has failed to comply to this request and has ignored the protections that I am afforded under the FDCPA involving my request to validate this debt with the following : A signed contract that we entered into when I opened the account. 
The XXXX disclosure statement that would establish your capacity as an agent of the true holder in due course of the debt. 
Creditors name and address Full Account # Explanation of how debt was calculated. 
XXXX paid if debt was purchased Completed and executed agreement, including signature XXXX charge off or delinquency date XXXX XXXX that covers record on time or all late payments and credits from initial opening of account. 
I thank CFPB in advance for their assistance regarding this matter. 
Portfolio Recovery did not provide the information in accordance with the laws that I request for second timeand or delete account Portfolio Recovery XXXX from my Equifax and XXXX XXXX XXXX XXXX XXXX.!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO.
State: UT

Complaint narrative:
Around XXXX of XXXX my spouse bought me a car from XXXX XXXX in the name of the business. The loan is in the business name ; I was only a guarantee. The vehicle is not on my credit report. My spouse filed for divorce around XX/XX/XXXX. I was able to make payments until he stopped making the correct alimony and support payments and I lost my job. He litigated me for nearly XXXX years. He was supposed to be paying for the vehicle ; he kept the other XXXX I custom ordered. It was repossessed ; he owed me thousands in arrearages and would not pay it. They repossessed and sold the car after I had paid for nearly XXXX years around XXXX then said I owe them nearly XXXX, they are suing me now for the remainder even though they took the car. The business is 100 % owned by my now ex-spouse and the loan was in the name of the business. They either need to return the car, and I can set up a payment plan or if they believe they are still owed money they need to sue the business, not me. I don't have a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
CREDIT CORP SOLUTION INC HAS CONTINUED THREATENING WITH INFORMATION THAT ARE INVALID FOR A CREDIT CARD DEBIT THAT WAS CLOSED CHARGED OFF DUE TO COVID 19 PANDEMIC FINANCIAL HARD SHIPT! THIS COMPANY DOUBLE REPORTING AND SENDING FALSE COURT WARNINGS FROM XXXXXXXX XXXX XXXX XXXXXXXX. 
THEY ALSO HAVE PRETENDED TO BE SERVING DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced debt. This letter is not an acknowledgment that I owe the debt. Rather, it is a request for validation of the debt pursuant to the Fair Debt Collection Practices Act, XXXX XXXX. XXXX. 

Please provide the following : The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges. 

The name and address of the original creditor. 

Copies of any documents bearing my signature that show I agreed to assume responsibility for this debt. 

Proof that you are legally authorized to collect this debt, including your license number ( if applicable ). 

The date of last payment and the date the debt was incurred. 

Until you provide the requested validation, you must cease all collection efforts, including reporting or verifying this debt to any credit reporting agency. 

If you are unable to provide proper validation, please confirm in writing that this matter is closed and that any credit reporting related to this account has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I received my most recent bill from XXXX 's. They charged me {$39.00} and {$15.00}. My payment was not late. I honestly believe they hold check payments until they know they will be able to tack on more fees. My current bill is more than when I first purchased the ring, which I regret doing. I'm XXXX XXXX XXXX, on a limited income and make my payments on time. This is unfair business practice. I'd like those fees removed. This unfair to the elderly. As mentioned before my account is now higher than the day the ring was purchased, and I've made several payments to this account. I'm very upset about this, and hope you can help me with this. Cordially, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ma. XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Climb Credit Inc.
State: IN

Complaint narrative:
On XX/XX/year>, Climb withdrew {$270.00} from my bank account for an authorized installment loan payment. While the payment was authorized, the withdrawal caused severe financial hardship, as I was not financially prepared to lose these funds at that time. 

I am currently experiencing significant financial distress and am preparing to file for bankruptcy. The {$270.00} withdrawal left me unable to cover basic living expenses, including rent, my car payment, and food. 
On XX/XX/year>, I contacted Climb by email to request a one-time hardship accommodation, specifically asking whether a refund, credit, or other payment relief could be provided due to my financial situation. 

As of today, I have not received any response, and it has been more than XXXX business days since my request. 

I am not disputing authorization of the payment. I am requesting assistance in obtaining a response from the company and review of any hardship accommodation or goodwill relief options that may be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CO

Complaint narrative:
Company name : MOHELA Servicing Issue type : Student loan Product : Federal or private student loan ( unauthorized servicing ) What happened I am submitting this complaint to formally dispute the unauthorized servicing and credit reporting of a student loan account by MOHELA XXXX. 

On XX/XX/year>, I discovered that MOHELA XXXX had assumed possession of a student loan account in my name showing a balance of {$10000.00}. I did not authorize MOHELA Servicing to service, transfer, or take control of this loan, nor did I sign or agree to any documentation permitting them to do so. 

Upon learning that MOHELA XXXX had my account, I contacted them to dispute their possession of the loan and to notify them that they should not have my student loan. I clearly communicated that I did not consent to MOHELA Servicing servicing this account. Despite this, the account continues to be reported on my credit report under MOHELA XXXX. 

The continued reporting of this account is inaccurate, unauthorized, and negatively impacting my credit. MOHELA XXXX has failed to correct or remove this account despite my prior communication disputing their authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marauder Corporation
State: NV

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
About a couple of weeks ago I began receiving collection calls for an unknown account with an unknown balance from a collector unknown to me. I wish I could put an exact time frame on it but my best estimate would have to be somewhere around XXXX or XXXX. Since I didnt recognize that amount nor the collector, I figured it was some kind of phishing scam. 
That is until I saw that a collection had been added onto my credit file with the most outrageous, egregious, astronomically inflated balance and the dates showing on the account were completely unrecognizable to me. 
That brings us to last Monday, XX/XX/year>, when I filed a dispute with Equifax. I asked for a breakdown of how the balance was calculated, the dates tied to the account, and any signed agreements or documentation they have to prove this debt is mine. 
None of that was ever mailed to me. Not XXXX document. Not XXXX explanation. Nothing. 
Somehow Equifax was able to verify the debt WITHOUT sending me anything I requested, and then allowed this collector to update and correct multiple information fields. That tells me the original information was false, and it was only corrected after I asked questions which means it was inaccurate from the start. 
If the information was accurate, it wouldnt need fixing. 
If the account was legitimate, theyd have documentation. 
If the balance was real, theyd be able to show how it was calculated. 
But instead, I got silence and a magically updated account. 
I am asking for this account to be deleted, not patched up, not adjusted, not updated. 
Deleted. 
Because if XXXX and LVNV can not provide the documentation I requested and they havent then they have no legal basis to keep reporting this account on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: NV

Complaint narrative:
I repeatedly instructed Capital Oneover XXXX to XXXX recorded phone callsto permanently block the merchants XXXX XXXX and XXXX XXXX XXXX after I cancelled their services due to breach of contract and failure to deliver contracted services. 

Despite multiple written cancellation notices and explicit merchant-block instructions, the merchants continued charging my account. 

I opened XXXX separate billing dispute cases under the XXXX XXXX Billing Act ( XXXX XXXX. XXXX ) and Regulation Z ( XXXX C.F.R. XXXX ). Several disputes were resolved in my favor, confirming that Capital One already possesses sufficient evidence supporting my claims. 

In addition, I explicitly requested that Capital One remove the Visa Automatic Account Updater / automatic card update service so that these merchants would not receive updated card credentials. This request was made directly to XXXX, a Capital One supervisor. 

Despite this request, Capital One failed to ensure that the merchants were fully blocked and allowed continued charges, demonstrating a failure to implement reasonable controls after clear notice. 

Capital Ones failure to act after repeated notice and favorable dispute findings constitutes : Failure to properly investigate and resolve billing errors under FCBA / Regulation Z Failure to prevent unauthorized transactions after notice Unfair billing practices under the Dodd-Frank Act ( 12 U.S.C. 5531 UDAAP ) On XX/XX/year>, I requested issuance of a new card to prevent further unauthorized charges. As of XX/XX/year>, I was still seeking supervisory escalation due to Capital Ones inaction. 

I am requesting permanent blocking of both merchants, confirmation that automatic updater services have been XXXX, reversal of all unauthorized charges, documented review of all call recordings, and written confirmation that no further charges will be permitted. 

CASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation