vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: CA

Complaint narrative:
I am submitting this complaint against Vance & Huffman LLC for inaccurate credit reporting, failure to validate an alleged debt, and continued reporting of disputed information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices ACT ( FDCPA ).

Vance & Huffman LLC is reporting a collection account on my Experian credit report that contains multiple inaccuracies, including ambiguous creditor identification ( " Balance Credit / XXXX XXXX '' ), no evidence of legal assignment or ownership, and improper balance updating dated XX/XX/year>, despite no consumer activity. This suggests false updating and potential illegal re-aging. 

Additionally, the account reports " 1 Month '' payment terms, which is factually inaccurate and inconsistent with XXXX XXXX reporting standards for collection accounts. The account is clearly marked as disputed, yet Vance & Huffman LLC continues to report it without providing lawful validation.

These actions violate 15 U.S.C. 1681e ( b ), 1681s-2 ( a ), 1681c ( a ), and 15 U.S.C. 1692g ( b ), as well as 1692e and 1692f.

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: GA

Complaint narrative:
Subject : SECOND NOTICE FAILURE TO COMPLY WITH FCRA XXXX XXXX REQUEST To Whom It May Concern, Due to the Equifax Data Breach I am a victim of identity theft. I am sending this letter as a second formal notice that you are legally required to block the fraudulent accounts I identified in my original request under the Fair Credit Reporting Act, 15 USC 1681c-2 ( Section 605B ). 

XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX - Balance : {$1.00} ( XX/XX/year> ) You have no discretion to process this as a normal dispute. Under FCRA 605B, once a consumer provides : 1. A valid identity theft report 2. Proof of identity 3. A written block request the credit reporting agency must block the disputed information within XXXX business days of receipt. This is not optional. 

You have acknowledged receipt of my valid identity theft documentation but have failed to comply with your statutory obligation. This is a violation of federal law and interferes with my rights as a consumer. 

I am demanding again that you : Block all identified fraudulent accounts immediately as required by law Cease reporting them to any third parties Provide written confirmation that these accounts have been permanently blocked Failure to comply with FCRA 605B will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and legal counsel.

This letter also serves as my formal Notice of Intent to Sue if you fail to comply with your obligations under FCRA 605B within XXXX business days of receipt. If you do not block the fraudulent accounts as required, I am prepared to file suit in federal court for actual, statutory, and punitive damages, plus attorneys fees as allowed under 15 USC 1681n and 1681o.

Attached are copies of : My original identity theft report ( police report or FTC affidavit ) signed by law enforcement My valid government-issued ID Proof of my current address This is your final notice before legal action. 

I expect full compliance within XXXX business days of your receipt of this letter. 

Thank you for your prompt attention to this serious legal matter. 

Sincerely, XXXX XXXX Attachments : Identity Theft Report ( signed by law enforcement ) Government ID Proof of Address

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 — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IL

Complaint narrative:
CFPB XXXX XXXX Discover Bank XXXX XX/XX/year>, my wallet and wristlet were stolen and a police report was filed. 

From XX/XX/year> through XX/XX/year>, over XXXX unauthorized transactions totaling {$5500.00} were made without my consent. The largest was {$560.00} on XX/XX/year>. 

Despite the dispute, Discover assessed late fees and interest, increasing the balance to {$6000.00}. 

Discover refused to provide proof of authorization and con.continues to report inaccurate information, violating the Fair Credit Billing Act and FCRA.They have refused to provide me with written or verbal proof that I authorized the transactions even though I have provided them with my time stamped work schedule which shows I was at work when some of these transactions took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I went to a U.S. Bank branch and requested to close my U.S. Bank savings account. The bank representative informed me that the account would be closed. 

At that time, I specifically asked whether I would continue to be charged any monthly maintenance fees. The branch staff explicitly told me that because I have a U.S. Bank Smartly credit card, I would not be charged any monthly fees, and therefore there would be no issue.

However, despite my closure request, the savings account was never closed, and U.S. Bank has continued to charge monthly maintenance fees on this account. I was never notified that the account remained open, nor was I informed that fees would still apply. 

This situation has caused unexpected financial loss and frustration. I relied on the information provided by the bank employee, which turned out to be inaccurate or misleading. 

What I am seeking : Immediate closure of the savings account A full refund of all fees charged after XX/XX/year> An explanation of why my closure request was not processed Confirmation that no further fees will be charged I believe U.S. Bank failed to properly process my account closure request and provided misleading information regarding fees.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I am filing a complaint against XXXX  and its third-party debt collector, MRS BPO LLC , for fraudulent and deceptive debt collection and credit reporting practices. 

XXXX, through MRS BPO LLC, is reporting inaccurate and unverified debts on my credit report for the following XXXX  account numbers : XXXX, XXXX, and XXXX. 

During multiple phone calls, MRS BPO LLC representatives stated that if I agreed to pay the alleged debts, the accounts would be removed from my credit report. This is a deceptive and misleading representation in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e.

Despite repeated requests, MRS BPO LLC has failed to provide written debt validation for these accounts, including after agreeing to send documentation by email. This failure violates FDCPA 1692g, which requires proper validation upon request. 

XXXX continues to furnish and report these accounts without ensuring accuracy or responding appropriately to disputes, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ). 

I have requested supervisor escalation multiple times and received no response. The continued reporting of these unverified accounts is inaccurate, misleading, and harmful. 

I am requesting CFPB investigation and the immediate removal of all referenced accounts from my credit report, along with written confirmation of resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I lost my job. At the time when I lost my job in XX/XX/year> I informed XXXX XXXX XXXX credit card right away. They told me they could not close my account until I paid it all off and would not stop the interest on it as well and that me losing my job had nothing to do with them. And I need it to figure it out. Then when I ask to speak with a supervisor they would hang up on me and kept sending me the bill. I borrowed money form family members but the interest rate and late fees was too much to handle. I believe it was a % XXXX apr interest rate and a XXXX XXXX XXXX XXXX kids. I was just unable to keep up with the payment due to still no job or XXXX income coming. And still having to get help with rent. If they would of closed my account I could of paid off the right amount that was owed which was only over {$200.00} but under {$300.00} instead of the amount over {$600.00} so that my credit would not be hit so bad to where I can't buy a home or even get into a bigger home because everything is a credit background check. I need help with this please.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I sent Capital One a formal written dispute under the Fair Credit Reporting Act ( FCRA 623 ) by XXXX XXXX mail with return receipt regarding two credit card accounts that had been paid in full. I included proof of payment and requested correction or deletion of inaccurate credit reporting. 

Despite receiving my dispute, Capital One later verified the accounts to XXXX XXXX XXXX XXXX  without correcting the errors. 

Capital One is currently reporting contradictory and misleading information across the credit bureaus. One bureau shows the accounts as paid with a {$0.00} balance but still coded as charge-off/collection. Another bureau shows the accounts as paid and closed but also reports amounts written off. A third bureau continues to report the accounts as charge-offs with derogatory history. 

A debt can not be paid in full and written off at the same time, and charge-off status should not continue after payment. These conflicting statuses misrepresent the true outcome of the accounts and continue to harm my credit. 

I requested documentation supporting any charge-off, write-off, or settlement status, but Capital One did not provide any evidence and did not correct the reporting. 

Capital One failed to conduct a reasonable investigation and continues to furnish inaccurate information after being placed on notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MA

Complaint narrative:
In XX/XX/XXXX, XXXX introduced a XXXX XXXX XXXX application for private loans and invited borrowers to apply. I submitted a complete application, with detailed narrative explanations and extensive supporting documentation, several times since XX/XX/XXXX. 

MOHELA denied my application. Most recently, I was provided only with a list of generic denial codes. These denial codes merely restate categories already present in the application itself and do not identify what evidence was deemed insufficient, what facts were rejected, how causation was evaluated, or what information would be required to appeal or correct the application. 

I attended the XXXX XXXX XXXX XXXX XXXX from XXXX. The XXXX XXXX XXXX XXXX has formally found that the Art Institutes engaged in widespread misconduct, and my federal student loans for this same enrollment were fully discharged under XXXX XXXX XXXXXXXX, with a refund issued. 

My private student loans for the same school were originated by XXXX XXXX, later transferred to XXXX, and are now serviced by MOHELA ( same time frame as the XXXX v. XXXX case ). These loans fall within the same time period and institutional context addressed in the XXXX XXXX XXXX XXXX settlement with XXXX concerning predatory lending practices tied to for-profit schools, including the XXXX XXXX. 

MOHELA is administering a borrower relief program, actively soliciting applications, collecting documentation, and issuing denials while refusing to provide individualized explanations. This prevents borrowers from understanding, appealing, or remedying adverse decisions and renders the application process opaque and effectively arbitrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Subject : Emergency : Robinhood Financial LLC ( XXXXXXXX XXXX XXXX ) Illegally Withholding Funds After Account Closure Body : To Consumer Finanical Protection Bureau, URGENT COMPLAINT-CUSTOMER FUNDS WITHHELD I am filing a formal complaint against Robinhood Financial LLC ( XXXX # XXXX ) for wrongful withholding of my assets after unilaterally freezing and closing my account. 

Facts of the Complaint : In XX/XX/XXXX, Robinhood froze my trading account without prior warning. 
In XX/XX/XXXX, Robinhood formally closed my account. 
Despite the account closure, Robinhood continues to hold {$28000.00} of my money. 
I have requested the release of my funds on XX/XX/XXXXXXXX  via APP and EMAIL, but have received no resolution. 
The firm has required submission of bank statements, but NO RESPONES after submission. 


Attempted Resolution : XX/XX/XXXX : Contacted Robinhood via in-app support XX/XX/XXXX : Emailed XXXX XX/XX/XXXXXXXX  : Emailed I certify that the information provided is true and correct to the best of my knowledge. 

Sincerely, XXXX XXXX XX/XX/XXXX

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 — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have been disputing transactions with Chime since XX/XX/year>. Dispute # XXXX for a total of {$1700.00} from XXXX XXXX XXXX.. I am now currently on my fourth rebuttal .. which means its the XXXX time I have opened this dispute since Chime is not doing any investigation. These are all unauthorized transactions that I DID NOT DO. This is my money that I bust my XXXX for. I bank with chime for them to be able to protect my money and at least do proper investigations if something happens. They have failed to do this. It is now XX/XX/year> and they keep denying my dispute. They have yet to send any real documentation as to why. I have gone to the police department and they have been able to confirm that indeed I DID NOT MAKE THESE TRANSACTIONS. Chime is stealing my money and I want my money back. Additionally I had to dispute 2 transactions that were not made by me on XX/XX/XXXX for a total of {$600.00} dispute # XXXX not even XXXX hours later chime once again just denies my dispute. I contacted the merchant of these two transactions and was told that chime never even contacted them about this. We bank with banking institutions so our money can be protected and Chime is constantly doing customers wrong. They need to be held liable for all the troubles that they cause financially and now emotionally as some people need their money. I want my money in my account ASAP and I will not stop until I have it. I hope you guys at the CFPB are able to understand my frustration with Chime and many others frustration with chime and are able to help me get my money back as its a good amount!! Thank you for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Notice of Violations of the Fair Credit Reporting Act ( FCRA ) Disputed Account : XXXX XXXX XXXX XXXX Creditor Listed : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX To Whom It May Concern, This letter serves as formal notice that Experian Information Solutions , Inc. is in violation of multiple provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) in connection with the handling of my dispute regarding the above-referenced account. 

Background I disputed the accuracy and completeness of a collection account being reported by XXXX XXXX XXXX XXXX. Experian responded by stating the account had been verified and subsequently closed the dispute. 
Following this response, I formally requested the Method of Verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Experian failed to provide the required information and instead closed the dispute without disclosing : The identity of the person or entity that verified the account The method used to verify the information The documents relied upon The date verification occurred FCRA Violations Experians actions constitute violations of, but are not limited to, the following provisions : 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a description of the method of verification upon consumer request. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy of consumer information. 
Closing a dispute without providing the legally required method of verification strongly suggests reliance on an automated or cursory process, which courts have repeatedly held does not satisfy the FCRAs reinvestigation requirements. 

Notice of Liability Please be advised that continued reporting of this account without compliance exposes Experian to liability for negligent and/or willful noncompliance under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, and attorneys fees. 

Sincerely, 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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to send a payment of {$330.00} to my cousin through Cash App for his birthday. The transaction was immediately blocked by Cash App and marked as pending review. I was informed that the review process could take up to 14 business days.

Cash App sent a follow-up email requesting information, but the email was delivered to my spam folder, causing a delayed response. I replied to the email later that same week once I became aware of it. I also contacted Cash App customer support by phone and was told by a representative that responding to the email late would not affect the resolution of my case and that the issue would still be addressed. 

After waiting an additional week without receiving any response or resolution, I contacted Cash App again on XX/XX/XXXX. At that time, I was informed that my case would be escalated to another department and flagged as high importance. 

As of now, more than a week has passed since the escalation, and I have still not received any communication, resolution, or refund. The payment remains unresolved, and my funds have not been returned. I am seeking assistance in obtaining a clear resolution and the return of my money.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/2025, my nephew took my phone without my permission and used the credit card stored on my device to purchase non-refundable tickets from XXXX. I did not authorize this transaction, and I did not attend or benefit from the tickets. I submitted a dispute with my credit card company, but the charges keep being reapplied to my account. I have chats with an Apple representative confirming that I am not responsible for charges I did not authorize. Despite this, the charges have not been permanently removed. I am requesting CFPB assistance to resolve this ongoing unauthorized charge.

Company response to consumer: Closed with explanation