vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 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: MI

Complaint narrative:
I am filing a complaint againstXX/XX/XXXX and XX/XX/XXXX regarding inaccurate and inconsistent reporting of a charged-off account. I disputed this account, and it was marked as verified and updated ; however, the reporting contains clear inconsistencies that were not properly investigated. The account reflects a status updated date of XX/XX/XXXX, yet continues to report a past due balance and updates into XX/XX/XXXX. This indicates inaccurate or incomplete reporting. Additionally, the account shows continuous monthly charge-off reporting without any documentation provided to support each reporting period. I have not been provided with the Date of First Delinquency or a complete payment history to verify the accuracy of this account. I am requesting that XX/XX/XXXX provide the method of verification used, including what documentation was reviewed, and that Discover provide full documentation supporting the reporting of this account. If this information can not be properly verified, I am requesting immediate correction or deletion of this account. Failure to ensure accurate reporting is a violation of the Fair Credit Reporting Act. I expect a timely and thorough investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: CA

Complaint narrative:
I am filing a complaint against this company because I believe they have unlawfully reported a negative account and violated the FDCPA ( 15 U.S.C. XXXX ) and FCRA ( 15 U.S.C. XXXX ). This inaccurate reporting is preventing me from purchasing a home. The company failed to provide the required written notice withinXX/XX/XXXXdays of initial communication and they have also not validated the debt, which in my understanding violates the FDCPA. In addition, I have never authorized this account or any reporting so this company lacks permissible purpose under FCRA XXXX. Pursuant to FCRA XXXX, I request this account be blocked as it resulted from unauthorized activity. This appears to be debt parking, a deceptive practice identified by the CFPB and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Benht: Economic Development Corporation
State: KY

Complaint narrative:
I moved from VA to KY in XX/XX/XXXX and was having problems finding employment. While I did finally obtain employment in XX/XX/XXXX, I still was weeks away from a paycheck. I received a mail offer from XXXX XXXX for a personal loan. I got a personal loan worth {$1700.00}. While I was aware of bi-weekly payment installments I was not aware of the 509.31 % interest rate. I have paid {$320.00} every XXXX weeks starting XX/XX/XXXX and have more than covered the original loan. I view this as predatory and I do not wish to open another loan from anyone else just so pay this off ( today [ XX/XX/XXXX ] the payoff amount is over {$1600.00} when I have been paying for nearly XXXX months with no late payments! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Global Tel*Link Corporation
State: IL

Complaint narrative:
On or around XX/XX/year> or XX/XX/year> : I emailed GTL written notice of illegal automated temporary block violating paragraph XXXX of Consent Order XXXX. XXXX. XX/XX/year> : XXXX XXXX from XXXX called me and stated the illegal block was removed. XXXX provided NO written confirmation of this cure, violating paragraph XXXX reasonable procedures requirement. XXXX. XX/XX/year> : The exact same illegal automated temporary block returned. I can not deposit money to IXXXX XXXX XXXX XXXXXXXX. Screenshot attached. This is recidivism - violation number XXXX. Same paragraph XXXX violation twice in XXXX days at same facility. XXXX 's XX/XX/year> cure lasted only XXXX days, proving no reasonable procedures exist under paragraph XXXX. Responding to written complaints with undocumented phone calls is not compliance. Existing CFPB Cases : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Would you look this over? Its late and might be erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I dont have a home nor have I owned a home Im home less

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

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 XXXX 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. This is a very stressful situation and I feel so violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
I am filing a complaint regarding a scam-related transaction that my bank, USAA, has refused to reimburse or reconsider. On XX/XX/year>, I was the victim of an impersonation scam. I received a call from someone posing as my bank, who claimed there was fraud on my account. I was given cancellation codes and a police report number, and I was instructed to move my money to protect it. Believing I was speaking to my bank, I followed these instructions and sent {$2100.00} through XXXX XXXX. I later realized this was a scam. I immediately contacted USAA and filed a dispute. A temporary credit was issued, but after their investigation, they denied my claim and are now reversing the credit. They stated that because the transaction was completed, it is considered authorized. I did not knowingly authorize a legitimate transaction. This was a fraud under false pretenses, where I was manipulated into sending money due to impersonation of a trusted financial institution. I requested escalation and reconsideration, but USAA informed me that the decision is final and can not be appealed. I am requesting : A full review of this case as fraud under impersonation and reimbursement of the {$2100.00}. I am also going to file a police report today XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: ID

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report regarding a student loan account. The account in question reflects an opening date o f XX/XX/XXXX and a closing date of XX/XX/XXXX. I did not open any student loan accounts in XXXX, and I have not attended college since XXXX. Additionally, this account appears twice on my credit report, each instance showing different balances, which further raises concern about its validity. There is also a lack of detailed information associated with these entries, as the reports only indicate the opening and closing datesboth of which are incorrectalong with inconsistent account amounts. Given these discrepancies, I respectfully request a full investigation into these accounts and their immediate removal from my credit report, as they are inaccurate and do not belong to me. Please provide written confirmation once this matter has been resolved. If additional information is required from me to assist in your investigation, do not hesitate to contact me. Thank you for your prompt attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal complaint to dispute several unauthorized hard inquiries currently appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to ensure that my credit information is reported with maximum accuracy and only when a verified permissible purpose exists. The following inquiries are fraudulent and are being reported without my explicit consent or proper legal authorization : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Pursuant to 15 U.S.C. 1681b, a Consumer Reporting Agency ( CRA ) is prohibited from furnishing a consumer report unless there is a certified " permissible purpose. '' I have not provided written instructions or authorization for these specific entities to access my private credit data. Furthermore, under 15 U.S.C. 1681e ( b ), the CRA is mandated to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the consumer. I have attached my official FTC Report XXXX as formal evidence that these transactions are fraudulent and must be removed. The continued reporting of these unauthorized inquiries is unjustly depressing my credit score and causing me significant financial injury by hindering my access to essential credit and housing services. Under 15 U.S.C. 1681i, the CRA is required to conduct a reasonable reinvestigation and delete any information that can not be strictly verified as authorized. I am exercising my right to request the immediate and permanent deletion of these damaging inquiries from my credit history. I respectfully urge the CFPB to intervene and ensure the CRA complies with federal law by removing these unauthorized marks and providing me with written confirmation of this correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMorgan Chase failed to protect my account and is refusing to return funds taken through XXXX fraud. I was deceived into sending {$500.00} to XXXX XXXX for fake boat/yacht services that were never provided. This was fraud, and Chase has no legal basis to ignore it and close the matter while I remain the victim. I am demanding immediate reimbursement of the full {$500.00} and immediate reopening of this claim. Chase was placed on notice of fraud and chose to deny relief instead of protecting its customer and remedying the loss caused through its payment platform. Let it also be clear that a separate {$100.00} payment to XXXX was authorized and legitimate. That payment is not part of this complaint. My complaint concerns the fraudulent {$500.00} sent to XXXX XXXX only. Chase is obligated to act fairly, investigate fraudulent electronic transfers in good faith, and not leave consumers holding losses caused by fraud after prompt notice is given. Refusing reimbursement while keeping the claim closed is unacceptable. I am requesting immediate return of my {$500.00}, correction of this claim, and written confirmation that Chase has reimbursed me. If Chase continues refusing to make me whole, I request regulatory action and enforcement for unfair handling of consumer fraud claims. I want my {$500.00} returned now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: WA

Complaint narrative:
I am disputing a {$2200.00} collection account reported by Summit Account Resolution that I do not recognize and did not authorize. I have no recollection of ever doing business with this company. I did rent a car over a year ago, but I have not received any documentation connecting that rental to this alleged debt. I previously disputed this account with a credit bureau over XXXX days ago, and it remains on my credit report without proper validation. I am requesting full validation of this debt, including signed documentation, rental agreement details, and proof that this debt belongs to me. If this can not be provided, I request immediate removal from all credit reporting agencies. This inaccurate account is negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I'm hoping you can help resolve an issue I am having with Comenity Bank who is the provider now for my XXXX XXXX XXXX XXXX : In order to resolve a tax issue I require past statements from XXXX, XXXX, XXXX, and XXXX. From Comenity : " Thank you for requesting a copy of statements for your XXXX XXXX XXXX XXXX XXXX account, which we've already generated on your behalf on XX/XX/XXXX. Please allow 7-10 business days for the statements to arrive to you by postal mail. '' I recieved only 6 months of the rerquested four years. So I called and put in another request : " From : You Sent : Wednesday, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX To : Comenity Bank Subject : Re : Statements Message ID : XXXX Thank you for providing the statements through XX/XX/XXXX. I am still missing the remaining records from my original request. ... please send paper copies for the following periods : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. and received no statements at all from this request. Today I called their customer care line and they indicated they saw all the requests and that they did not send out any statements for the follow up request. The rep said they would forward me to an escalation rep. Who just kept saying I just need to put in a request. I have submitted yet another request as advised and yet have XXXX confidence they will do anything. They refuse to give any sort of tracking info for either the conversation or a tracking number for the mail containing the statements. They took the full 10 business days and then I waited the full 10 business days again before inquiring. This just seems ridiculous to keep waiting 10 business days each time only to have their process fail again and again. All the while I'm accuring interest and penalties until I can provide proof of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: TN

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. This is hindering me from progressing. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
b'I never really had anything in my name cards homes assets'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: IA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding XXXX XXXXXX/XX/XXXX fraudulent billing practices and deliberate escalation of a disputed charge to collections. The core issue is Invoice XXXX for {$2100.00}, which XXXX claims is correct based on default XX/XX/XXXX rates because I lacked a Quote Number or published pricing. This charge is unconscionable, as I was explicitly quoted and paid approximately {$600.00} for an identical parallel shipment, confirming the reasonable cost. For nearly XXXX months, I have been trapped in an unacceptable loop between XXXXXX/XX/XXXXCollections agents ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and other teams, who consistently passed me back and forth, refusing to perform the necessary rebill due to claims of " limited access ''. This systemic failure culminated in the improper escalation of the invoice to the collections agency iQoXXXX on XX/XX/year>2026. Since XXXX continues to insist the {$2100.00} charge is valid, I now demand that XXXX immediately produce a clear, written paper trail or documentation proving my legal agreement to this charge prior to shipment. Failure to provide evidence of my consent to this fraudulent amount, coupled with the refusal to halt collection activity, is being submitted as further evidence of XXXX XXXX unconscionable business practices to all relevant regulatory and legal bodies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
This complaint replaces Case XX/XX/XXXXXXXX, which was withdrawn to include critical evidence of bad-faith accounting, unauthorized diversion of funds, and ongoing telephone harassment occurring on XX/XX/scrub> 2026. XX/XX/scrub> 2026 : I made a successful payment of {$57.00}. The official receipt explicitly documents a {$0.00} balance for all fees. Acimas own records confirm all past-due rent from the XX/XX/XXXX period was settled as of this date. XX/XX/year> : I made a manual rent payment of {$59.00}. Despite the {$0.00} fee balance established on XX/XX/XXXX, Acima siphoned {$25.00} from this rent payment and applied it to an unauthorized fee. This diversion caused a " shortage '' in rent, which triggered a second automated {$25.00} late fee and a fraudulent "XX/XX/XXXX days past due '' status as of today, XX/XX/XXXX. I have repeatedly requested " Written Communication Only '' to maintain a paper trail for this dispute. XX/XX/year> : Agent " XXXX '' from ( XXXX ) XXXX made multiple harassing phone calls, leaving a voicemail at XXXXXX/XX/XXXX attempting to resolve this verbally rather than in writing. This is a violation of the Texas Debt Collection Act In a recorded chat today, Agent XXXX admitted that the system diverted my rent funds to a fee. When presented with the XX/XX/XXXX receipt ( {$0.00} fees ), the agent refused to correct the error, claiming the " system data '' was correct despite the conflicting official receipt. The agent further confirmed that outbound calls were only " disabled '' today, proving my prior requests were intentionally ignored. On or around XX/XX/scrub> 2026, an Acima agent explicitly stated in a live chat that if I made an immediate payment, all late fees would be waived. I relied on this promise and made the payment, which resulted in the XX/XX/XXXX receipt showing {$0.00} in fees Acima is now attempting to " reinstate '' those waived fees by siphoning funds from my XX/XX/XXXX payment. During my XX/XX/XXXX chat, I requested a transcript of that previous agreement. The agent refused to provide it, effectively concealing evidence of their own verbal and written contract to waive those fees. I am requesting the CFPB compel Acima to produce the full chat logs from XX/XX/XXXX, which will verify the fee-waiver agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I never got a loan for this house or car or company I dont own anything I deal with homelessness and dont drive all my family does and have my information I live in XXXX XXXX moving around living in XXXX XXXX always moving and jobless really

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